Credit Analyst

A Credit Analyst evaluates loan applications and checks the financial condition of individuals or businesses. The main role is to assess repayment capacity, verify documents, analyze bank statements, income, CIBIL/credit reports, and identify risk before recommending loan approval or rejection.

Key Responsibilities:

• Review loan applications and customer profiles
• Check KYC and financial documents
• Analyze bank statements, ITR, salary slips, GST, and business proofs
• Verify CIBIL/credit history and repayment behavior
• Assess customer income, liabilities, FOIR, and eligibility
• Identify fraud risk and document discrepancies
• Prepare credit appraisal notes and risk analysis reports
• Recommend approval, rejection, or conditional approval
• Coordinate with sales, operations, legal, and verification teams
• Ensure compliance with company credit policy and RBI/internal guidelines
• Monitor pending cases and maintain proper records

Required Skills:

• Knowledge of loan underwriting and credit assessment
• Understanding of bank statement analysis and income calculation
• Knowledge of CIBIL, FOIR, LTV, EMI calculation, and risk parameters
• Good analytical and decision-making skills
• Attention to detail
• Basic Excel and MIS knowledge
• Good communication and reporting skills

Eligibility:

• Graduate in Finance, Commerce, Business, or related field
• MBA/PGDM in Finance is preferred
• Experience in banking, NBFC, fintech, or the loan sector is an advantage

Common Products Handled:

• Personal Loan
• Business Loan
• LAP
• Home Loan
• Vehicle Loan
• Gold Loan
• Short-term Loan

Job Type: Full-time

Pay: ₹15,000.00 - ₹20,000.00 per month

Work Location: In person