Credit and Risk Analyst

Key Responsibilities:

• Define risk and monitor the formulation, review, and evaluation of credit policies in coordination with Credit and Business teams.
• Conduct portfolio analysis to identify key risk and mitigation strategies
• Tracking portfolio triggers (thresholds/ breach), risk appetite level, NPA/write off trends, quality of static asset pool, early risk, non-starter trend and taking corrective actions thereof.
• Monitor Collections efficiency, triggers (thresholds/ breach), flow rates, trends etc
• Manage and monitor portfolio and credit risk to ensure alignment with the organization's risk appetite and business objectives.
• Creating & monitoring the early warning systems for each product
• Review credit policies and ensure they are comprehensive and aligned with established risk frameworks.
• Conduct thorough end-to-end credit process reviews to identify gaps, improve operational efficiency, and ensure compliance with regulatory requirements.
• Credit Risk Policy formulation and implementation of framework for new product / program launch within risk appetite of the organization and its subsequent review / amendment
• Lead risk analytics initiatives to deliver actionable insights that support decision-making and risk mitigation strategies
• Drive end-to-end process enhancements focusing on risk mitigation and promoting sustainable, profitable growth

Required Skills:

• Proven experience in portfolio risk and credit risk management in a Bank or NBFC.
• Experience collaborating closely with Credit and Business teams on policy review and risk strategy implementation.
• Ability to conduct detailed risk analytics and effectively communicate findings to senior management
• Strong expertise in credit processes, risk controls, and process improvement initiatives.
• Excellent communication, stakeholder management, and interpersonal skills.

Experience & Qualifications:

• Experience: 5-8 years of relevant experience in credit risk, portfolio risk, or credit policy management in PL/EL or SME/MSME in Banks/NBFC
• Education: MBA, FRM, Chartered Accountant (CA), or Masters degree in Economics or Statistics preferred.