Bharat Banking:Credit Analyst - Nano Business

No of VacanciesReports toArea Manager- Credit AnalystIs a Team leader?NTeam SizeNAGradeAM/DMBusinessBharat BankingDepartmentBharat EnterpriseSub-DepartmentNano BusinessLocationAboutThis 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 LakhAbout the RoleThe 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 LakhThe Role is expected to deliver on portfolio quality and TAT as per defined parameters of the bankCustomers assessment by visiting business, residence and collateral placeMeet customer to capture data points with regard to income based on business specific PD sheetEnsure the verification process is compiled within expected TAT with first time right approachBroad assessment of collateral wr to valuation and other parameters as per banks policyConduct holistic and quality reference checksEnsure compliance wr to documentation and other policy guidanceManage early delinquencies to ensure portfolio performanceShould have valid two wheeler driving licenses, two wheeler and Smart phone (preferably android9/IOS 9 and above)QualificationsEducation: Graduation/Post GraduationAge: Max: 30 YearExperience: 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/ AHLGood understanding of Micro/Small unsecured Business loan, Affordable housing or Small ticket LAPRole ProficienciesFor successful execution of the job, a candidate should possess the following:KnowledgeGood knowledge of field level operations and systemsExperience in assessed business income is mustShould have knowledge onLocal market understandingUnderstanding on Bank statementRepayment record assessmentUnderstanding of local market practices with regard to legal and valuation of propertySkillsGood communication (both verbal & written) and inter-personal skillsTime managementLocal languageAbilitiesAbility to work effectively across functionsAbility to work as a part of team and contribute towards team goalsAbility to travel minimum 15- 20 days a month