| Credit Analyst |
| INTERNAL USAGE: |
| No. of Vacancies: | | Reports to: | Area Manager- Credit Analyst |
| Is a Team leader? | N | Team Size: | NA |
| | |
| Grade: | AM/DM |
| Business: | Bharat Banking | Department: | Bharat Enterprise | Sub-Department: | Nano Business |
| Location: | |
| About |
| This is new vertical in Bharat Banking-Bharat Enterprise. This vertical specially caters to credit needs of Nano business enterprises wherein the credit requirement both secured and un-secured in between 1-20 Lakh. |
| About the Role |
The Credit Analyst is responsible for credit and income assessment as per prescribed parameters for the leads generated by Sales Team for Nano secured and un-secured business loan with ticket size between 1-20 Lakh. The Role is expected to deliver on portfolio quality and TAT as per defined parameters of the bank |
| Key Responsibilities |
- Customers assessment by visiting business, residence and collateral place
- Meet customer to capture data points with regard to income based on business specific PD sheet
- Ensure the verification process is compiled within expected TAT with first time right approach
- Broad assessment of collateral w.r to valuation and other parameters as per banks policy
- Conduct holistic and quality reference checks
- Ensure compliance w.r to documentation and other policy guidance
- Manage early delinquencies to ensure portfolio performance
- Should have valid two wheeler driving licenses, two wheeler and Smart phone (preferably android9/IOS 9 and above)
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| Qualifications |
Optimal qualification for success on the job is: - Education: Graduation/Post Graduation
- Age: Max: 30 Year
- Experience: 1-5 Years of experience in verification/PD bases assessment of customer in Bank or NBFC for- Nano/Micro Business Loans/ Small ticket LAP/ Self-employed PL/ AHL
- Good understanding of Micro/Small unsecured Business loan, Affordable housing or Small ticket LAP
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| Role Proficiencies: |
For successful execution of the job, a candidate should possess the following: - Knowledge
- Good knowledge of field level operations and systems
- Experience in assessed business income is must.
- Should have knowledge on
- Local market understanding
- Understanding on Bank statement
- Repayment record assessment
- Understanding of local market practices with regard to legal and valuation of property
- Skills
- Good communication (both verbal & written) and inter-personal skills
- Time management
- Local language
- Abilities
- Ability to work effectively across functions
- Ability to work as a part of team and contribute towards team goals
- Ability to travel minimum 15- 20 days a month
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