Central Credit - Powai

Key Responsibilities:

• Assist in analysis of credit data, cases, policy deviations, and approval trends through Advance Excel and data modelling analysis.
• Support portfolio monitoring (DPD movement, early delinquency trends, vintage analysis).
• Conduct detailed analysis of credit reports, trends, delinquency patterns, and portfolio behaviour.
• Identify gaps, risks, and improvement areas in underwriting quality and credit decisions.
• Prepare MIS dashboards and actionable insights for senior management.
• Identify gaps or inefficiencies in existing reports or workflows.
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  Suggest automation or simplification using Excel, SQL, or system reports
• Support implementation of new reports, dashboards, or system enhancements
• Work closely with regional and branch credit teams to provide guidance on complex cases.
• Collaborate with product, risk, and audit teams to align credit processes and guidelines.
• Support management in audits, reviews, and compliance initiatives.
• Help in preparing audit responses, process notes, and control documentation
• Maintain structured documentation for policies, reports, and trackers

Required Skills & Qualifications:

• Bachelors/Masters degree in Finance, Commerce, or related field.
• Understanding of (LAP/BL) credit processes, underwriting norms, and risk.
• Strong interpersonal and collaboration skills.
• Excellent communication and presentation skills.
• Proactive, structured, and process-driven.
• Strong analytical thinking and problem-solving capability.
• Knowledge of credit systems preferred.
• SQL will be preferable.