Credit Analyst

Responsibilities:

• Customer Credit Underwriting : Perform comprehensive credit analysis of the customer and create a standardized credit report for management review and approval.
• Customer Background Verification Analysis : Analyzing customer field inspection done via inhouse teams/third party, verifying through tele-verification and creating final CAM (Credit Assessment Memo) for management review and approval.
• MIS and Portfolio Health Management : Creating regular MIS and portfolio health reports to monitor and actively find early warning signs, and constantly optimizing underwriting methods accordingly.
• Process Building and Automation : Building, automating and productizing credit processes, to reduce overall turn around time.
• Crossfunctional Collaboration : Working closely and supporting on ground sales & operations teams, and with other central teams.
• Customer NPS : Ensuring best possible experience for the end customer.

Qualifications:

• A bachelor's degree from a reputed university, finance specific professional qualifications/certification is a plus.
• Work experience of 2+ years in retail credit underwriting is mandatory. Experience specific to loans in the automotive industry is a plus.
• Experience in creating MIS, Portfolio Management including reports is required.
• Ability to build, scale and improve processes and solve complex problems, working in a dynamic and agile environment.
• Excellent communication, and interpersonal skills.
• Proficiency in Microsoft Office Suite and CRM software.