Credit Risk Analyst

Key Responsibilities

Credit Assessment

• Review loan applications, credit bureau reports (CIBIL), repayment history, and customer profiles.
• Assess customer creditworthiness and support lending decisions.

Financial Analysis

• Analyze bank statements, income proofs, KYC documents, and financial records.
• Evaluate repayment capacity and identify potential risk factors.

Fraud Risk Detection

• Detect suspicious transactions, forged documents, fraudulent applications, and unusual customer behavior.
• Escalate identified fraud risks and support investigations.

Portfolio Monitoring

• Monitor portfolio performance, delinquency trends, overdue accounts, and default rates.
• Recommend corrective actions to manage risk exposure.

Risk & Loss Management

• Analyze credit risk patterns and portfolio trends.
• Suggest strategies to reduce credit losses and improve portfolio quality.

Reporting & MIS

• Prepare risk reports, dashboards, MIS, and portfolio performance analyses for management review.
• Maintain accurate risk-related data and documentation.

Cross-Functional Coordination

• Collaborate with Credit, Operations, Collections, and Technology teams to address risk-related issues.
• Support process improvements and risk control initiatives.