Credit Analyst

About the job

We’re looking for a detail-oriented Credit Processing Associate to support end-to-end home loan processing—from application to approval You’ll ensure accuracy, compliance, and timely FTR logins while coordinating with sales and credit teams to drive seamless loan approvals.

Major Job responsibilities would be as under:

• Evaluate home loan applications and perform detailed credit analysis of customer profiles.
• End-to-end handling of the login-to-disbursement process of home loan cases.
• Prepare accurate and complete Credit Appraisal Memos (CAMs) for approval by senior management.
• Verify and assess customer documentation, including income proof, KYC, bank statements, credit bureau reports, etc.
• Conduct risk assessment of individual loan files and recommend appropriate decisions.
• Liaise with internal stakeholders such as sales, legal, technical, and operations teams for timely resolution of queries.
• Ensure adherence to credit policies, regulatory norms, and internal guidelines.
• Track application status and follow up for missing or additional documents.
• Ensure TAT (Turnaround Time) is met for login, assessment, and disbursement.
• Maintain MIS and reporting of credit performance and pipeline cases.

Who is an ideal fit:

• 1–3 years of experience in credit operations, preferably in home loans within fintech, banks, or NBFCs.
• Strong knowledge of loan documentation, credit assessment, and compliance.
• Detail-oriented, well-organized, and proficient in MS Office and loan management tools. Effective communicator with the ability to manage multiple files in a fast-paced environment.
• Bachelor’s degree in Finance, Commerce, or related field.

Job Type: Full-time

Pay: ₹25,000.00 - ₹30,000.00 per month

Benefits:

• Health insurance
• Provident Fund

Application Question(s):

• How many years of experience do you have as a Credit Analyst?
• What's your Notice period?
• Do you have experience in Home Loan?
• Do you have experience in LAP?

Location:

• Gurugram, Gurgaon, Haryana (Preferred)

Work Location: In person