Team Lead - Credit Analyst

Position: Team Leader - Credit & Risk

Department: Operations - Credit

Experience: Around 2 Years

Vacancy: 1

Job Description

Key Responsibilities:

• Supervise Credit Analysts and monitor their productivity, quality, and TAT.
• Ensure adherence to Credit Policy, SOPs, and risk guidelines.
• Review credit underwriting and identify high-risk profiles or policy deviations.
• Monitor portfolio performance, DPD, CE, defaults, and delinquency trends.
• Conduct basic root-cause analysis of defaults and identify risk patterns.
• Prepare and review Credit & Risk MIS and performance reports.
• Analyse portfolio performance across CIBIL, salary, loan amount, FOIR, tenure, and other key parameters.
• Coordinate with IT, Collections, Operations, and other teams regarding credit & risk requirements.
• Identify process gaps and suggest improvements.
• Support training, coaching, and performance improvement of Credit Analysts.

Required Skills:

• Strong hands-on experience in credit underwriting and risk assessment
• Understanding of NBFC / Fintech / Digital Lending
• Portfolio and default analysis
• Good Excel / Google Sheets skills
• Team handling and communication skills
• Analytical and problem-solving ability
• Knowledge of CIBIL/Experian, FOIR, banking and income assessment