Key Responsibilities

• Credit Assessment: Evaluate creditworthiness of loan applicants based on financial information, credit reports, and other relevant data to determine eligibility for two-wheeler financing.

• Analyze financial statements, income documents, and credit histories to assess borrowers’ ability to repay
  loans and manage credit risk.

• Credit Risk Analysis: Assess credit risk associated with loan applications, considering factors such as credit scores, debt-toincome ratios, loan-to-value ratios, and collateral valuation.

• Identify potential risks, including default risk, fraud risk, and repayment risk, and recommend appropriate
  risk mitigation strategies.

• Credit Policy Compliance: Ensure compliance with credit policies, lending guidelines, and regulatory requirements in the evaluation and approval of two-wheeler financing applications.

• Adhere to underwriting standards, credit limits, and loan terms established by the organization and
  regulatory authorities.

• Decision Making: Make informed credit decisions based on thorough analysis of credit data, risk assessment, and adherence to lending criteria and policies.

• Determine loan approval, rejection, or modification based on credit risk assessment, borrower profile, and
  loan parameters.

• Documentation and Recordkeeping: Prepare and maintain accurate loan documentation, including loan agreements, security documents, and other legal forms, in compliance with internal policies and regulatory requirements.
• Customer Interaction: Communicate credit decisions to loan applicants, providing explanations for approval or denial decisions
  and addressing any inquiries or concerns.
• Maintain professional and courteous communication with customers, dealerships, and internal stakeholders
  throughout the credit evaluation process.
• Credit Monitoring and Portfolio Management: Monitor the performance of existing loan portfolios, tracking repayment behavior, delinquency rates, and loan loss reserves.
• Identify early warning signs of credit deterioration and take proactive measures to mitigate risk and preserve asset quality.
• Continuous Improvement: Stay abreast of industry trends, best practices, and regulatory changes related to credit risk management and underwriting practices.
• Participate in training programs, workshops, and professional development activities to enhance knowledge and skills in credit analysis and risk assessment.

Qualification

• Bachelor’s degree in finance, accounting, business administration, or related field; master’s degree or professional certification (e.g., CFA, FRM) preferred.
• 8+ years of experience in credit analysis, underwriting, or risk management roles in the financial services industry, preferably in NBFCs or banks.
• Strong analytical skills, with the ability to interpret financial data, evaluate credit risk, and make sound credit decisions.
• Knowledge of lending principles, credit policies, and regulatory requirements governing two-wheeler financing.
• Proficiency in financial analysis tools, credit scoring models, and risk assessment techniques.
• Excellent attention to detail, accuracy, and organizational skills, with the ability to manage multiple tasks and prioritize workload effectively.
• Strong communication and interpersonal skills, with the ability to interact with customers, dealerships, and internal stakeholders professionally and courteously.
• Ability to work independently, exercise judgment, and make decisions within established guidelines and policies.
• Commitment to ethical conduct, integrity, and compliance with legal and regulatory standards in credit operations.