Credit Risk Analyst

As a Credit Risk Analyst, your role will involve the following responsibilities: - Formulate, review, and evaluate credit policies in coordination with Credit and Business teams. - Present finalized policies along with Seniors to the Chief Risk Officer (CRO) for approval. - Ensure policies are aligned with regulatory guidelines and internal risk appetite. - Maintain comprehensive documentation and version control of all policy changes. - Develop and publish Portfolio Quality Reports (PQRs) to track and monitor asset quality. - Create and automate risk analytics reports and dashboards, including user acceptance testing (UAT) before implementation. - Conduct stress testing and identify early warning signals through data-driven insights. - Provide oversight on credit decisions, sectoral risk appetite, and underwriting frameworks. - Lead discussions on segment-specific credit strategies and risk-return trade-offs. - Conduct end-to-end credit process reviews to ensure risk controls, operational efficiency, and regulatory compliance. - Undertake location and vendor visits as part of credit process validations and risk assessments. - Recommend process improvements based on field insights and best practices. - Drive cross-functional initiatives with Business and Credit teams related to risk and policy integration in technology platforms. - Collaborate with product, operations, and technology for seamless implementation of risk policies across systems. Key Requirements: - Education: CA, MBA, FRM, CFA, or other relevant professional certifications as an advantage - Experience: 5 to 8 years of experience in Credit Risk, Policy Risk, Portfolio Risk in SME lending, preferably in a bank, NBFC, or fintech - Skills: In-depth understanding of SME risk profiles, underwriting frameworks, and regulatory landscape. Strong skills in stakeholder management, cross-functional collaboration, and policy articulation & data analytics. Please note that this is a full-time position with in-person work location.,