Credit Manager

As a Credit Risk Analyst, your primary responsibility will be evaluating proposals for recommendation or approval in accordance with the credit policy. You will be required to conduct customer visits and engage in discussions to thoroughly assess loan requirements, as well as assess customer business operations and income. In particular, you will need to demonstrate a strong understanding of self-employed non-professional profiles and conduct a comprehensive analysis of the business to determine revenue streams and expenditures. You should possess the ability to identify potential risks associated with each proposal and conduct due diligence even in the absence of formal documentation. Your role will also involve reviewing files in alignment with the credit policy, conducting risk analysis on cases and clients, and upholding the quality of credit information, underwriting standards, and presentation. Additionally, you will be involved in post-disbursement duties (PDD) and portfolio management. Furthermore, you will play a key role in establishing and updating policies and procedures related to credit risk management. You will oversee the process handled by Disbursement Officers, ensuring accuracy of work and adherence to timelines at all times.,