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Axis Bank
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Bharat Banking:Credit Analyst - Nano Business

Bharat Banking:Credit Analyst - Nano Business

Axis Bank

5 - 8 years

1 - 20 Lacs

yevla

Posted:1 day ago| Platform:

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Skills Required

credit analyst loans business loan interpersonal skills ticketing nbfc time management banking legal

Work Mode

Work from Office

Job Type

Full Time

Job Description

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
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

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 wr to valuation and other parameters as per banks policy
Conduct holistic and quality reference checks
Ensure compliance wr 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)

Qualifications

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

Role Proficiencies

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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