Credit Analyst

Role & responsibilities

Job Purpose:

To manage and oversee the credit underwriting function for Loan Against Property (LAP) for the assigned region, ensuring high-quality credit appraisal, policy adherence, and portfolio health, while supporting business growth objectives.

Key Responsibilities:

• Credit Appraisal & Underwriting:

• Evaluate and underwrite LAP proposals in line with company policy and risk appetite.
• Analyze borrower financials, property documents, market valuation, and credit bureau reports.
• Ensure timely processing of files to support business turnarounds.
  

• Team & Stakeholder Management:

• Manage and guide a team of credit officers/managers across the region.
• Collaborate with sales, operations, and legal teams to streamline the credit approval process.
• Conduct regular training and development sessions for the team.
  

• Policy Compliance & Risk Management:

• Ensure adherence to internal credit policies, regulatory guidelines, and audit requirements.
• Identify early warning signals and initiate corrective measures for high-risk accounts.
• Recommend modifications to credit policy based on regional portfolio performance.
  

• Portfolio Quality:

• Monitor disbursed portfolio quality through periodic reviews and field visits.
• Ensure healthy portfolio performance and minimize delinquency and NPAs.
• Conduct post-disbursement checks and field investigations where required.
  

• MIS & Reporting:

• Prepare and present region-wise credit reports, portfolio analysis, and risk metrics.
• Share actionable insights with senior management for strategic decisions.

Preferred candidate profile

• Graduate/Postgraduate in Finance, Commerce, or a related field. CA/MBA preferred.
• 712 years of experience in credit underwriting, with strong exposure to LAP segment.
• In-depth knowledge of credit appraisal, property legal & technical evaluation, and risk analysis.
• Strong analytical, decision-making, and leadership skills.
• Regional market understanding and hands-on field experience preferred.