Credit Analyst

Key Responsibilities: Evaluate creditworthiness of loan proposals submitted by the retail sales team. Analyze financial documents including income statements, bank statements, ITRs, and CIBIL reports. Perform risk assessment on customers applying for personal loans, business loans, or other retail financial products. Prepare detailed credit appraisal memos and present findings to the credit committee. Ensure compliance with internal credit policy and RBI/NBFC regulatory norms. Monitor portfolio performance and recommend actions for delinquent accounts. Coordinate with sales, operations, and legal teams for smooth credit evaluation process. Desired Candidate Profile: Graduate/Postgraduate in Finance, Commerce, Economics, or related field. 2–5 years of experience in credit analysis, preferably in the retail segment (personal loan, business loan, consumer finance, etc.) within an NBFC or financial institution. Strong understanding of retail lending products, credit underwriting, and risk analysis.

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