Credit Analyst

Job Summary

Varthana is looking for an Executive - Credit who will verify whether all the loan applications are assessed as per the

credit policy and whether deviations if any, are appropriately mitigated and documented. The candidate will be

interacting with the customers, assessing them based on personal discussions & interviews, ensuring that all files are

turned around within an acceptable timeline, and building a solid relationship with them.

The Executive will also be coordinating with the sales team and operations team for collecting accurate data.

Key Role Deliverables

● Ensuring that all the applications are honored upon agreed turnaround times

● Monitoring of the portfolio, analysis of delinquent cases, client profiling, and data cutting

● Tracking deviations and identifying any correlation between deviations and delinquencies

● Ensuring proper security creation process for all secured loans

● Evaluating the portfolio and highlighting any early warning signals

● Ensuring that all KYC guidelines issued by RBI from time to time are adhered to

● Interacting with customers, assessing the applications, and ensuring that credit parameters are adhered to

Preferred Profile

● Minimum Education Qualification: Graduation

● 0 - 2 years of experience in Retail banking / SME credit management

● Team player and motivating the team members to achieve the goals

● Influential Communication in English and local languages

● Analytical skills and ability to process data on computer spreadsheets

● Comfortable in assessing clients without access to audited financials

● Deep understanding of risk and its various dimensions like operational risk, credit risk, market risk, etc

● Willingness and ability to travel within the city

• It is a Full Time Accountant job for candidates with 0 - 6+ years Experience.