Key Responsibilities

1. Credit Analysis: Assist in evaluating credit applications for two-wheeler loans, analyzing financial statements, credit
   reports, and other relevant information to assess borrower creditworthiness and repayment capacity.
2. Risk Assessment: Conduct risk assessments on loan applications, identifying potential credit risks, including default
   risk, concentration risk, and market risk, and making recommendations for risk mitigation measures.
3. Credit Policy Compliance: Ensure compliance with credit underwriting guidelines, lending policies, and regulatory
   requirements in approving loan applications, adhering to established risk parameters and credit limits.
4. Portfolio Monitoring: Monitor the performance of the loan portfolio, tracking key performance indicators (KPIs),
   analyzing delinquency trends, and identifying areas for improvement or risk mitigation.
5. Documentation Review: Review loan documentation, including loan agreements, security documents, and collateral
   valuations, to ensure completeness, accuracy, and compliance with internal policies and regulatory requirements.
6. Reporting and Analysis: Prepare regular reports and presentations on credit risk metrics, portfolio performance, and
   risk trends for senior management, providing insights and recommendations for risk management strategies.
7. Cross-functional Collaboration: Collaborate with cross-functional teams, including credit, collections, operations,
   and finance departments, to coordinate efforts in managing credit risk and implementing risk mitigation initiatives.
8. Regulatory Compliance: Ensure compliance with regulatory requirements governing credit risk management
   activities, including fair lending practices, consumer protection laws, and data privacy regulations.
9. Process Improvement: Identify opportunities for process improvement and automation in credit risk management
   processes, leveraging technology and best practices to enhance efficiency and effectiveness.
10. Training and Development: Stay updated on industry trends, regulatory changes, and best practices in credit risk
    management, and participate in training and development programs to enhance skills and knowledge.

Qualification

• Bachelor’s degree in finance, economics, business administration, or related field; master’s degree or professional
  certification (e.g., FRM, PRM) preferred.
• 3+ years of experience in risk management, credit analysis, or related role, preferably in the financial services
  industry or NBFC sector.
• Strong analytical skills, with the ability to interpret financial data, assess credit risk, and make sound decisions based
  on risk-reward considerations.
• Knowledge of credit underwriting principles, risk assessment techniques, and regulatory requirements governing
  credit risk management in the NBFC sector.
• Proficiency in data analysis tools and techniques, including MS Excel, SQL, and statistical software, with the ability to
  perform complex data analysis and modeling.
• Excellent communication and interpersonal skills, with the ability to communicate complex concepts effectively to
  diverse stakeholders.
• Attention to detail and ability to prioritize tasks, manage multiple projects simultaneously, and meet deadlines in a
  fast-paced environment.
• Strong problem-solving skills, with the ability to identify issues, propose solutions, and implement corrective actions
  to mitigate risks.