Risk Analyst

Job Description

The Risk Analyst will play a crucial role in the credit appraisal and risk evaluation process in the wholesale / MSME lending operations. The role involves independent assessment of loan proposals, review of financial and project documents, and assisting the Credit Committee in decision-making process. The position is central to maintaining credit quality across the assigned portfolios and ensuring compliance with internal risk standards. Result Areas of Job Analyze financial statements, cash flow, balance sheets, and income statements of prospective clients to assess their financial health and repayment capacity including potential risks or opportunity. Use defined procedure to review the loan projects and verify the accuracy and completeness of the information provided, including applicable social and environmental guidelines. Interact with concerned unit managers for resolving the observed information gaps / additional clarifications wherever required on the credit appraisals under review. Responsible for preparing credit risk analysis reports of clients, including in-depth financial analysis, business/industry analysis; and make recommendation on loan terms, credit limits, security and internal ratings to Credit Committees. Present credit advice to Credit Committee and provide clarifications as needed. Managing the Credit Committee agenda and taking minutes in the CC meeting Regularly monitor loan performance, Quarterly Performance Reports, compliance of stipulated covenants and identify potential problems or defaults for the assigned portfolio and present findings to internal stakeholders. Support in compilation of department MIS and preparation ppt for presentations to various stakeholders. Education and experience Post graduates in Finance, Economics, Business Administration, Engineering and/or equivalent with 3 5 years of relevant experience in a DFI/Bank/ NBFC. In addition, a degree specialization in Financial Engineering or a professional certification in Finance / Risk is preferred. Relevant work experience in financial services and in credit appraisals. Have worked in similar role like in Wholesale lending / Corporate lending or MSME lending space. Excel skills are crucial for organizing, analyzing, and visualizing data in a presentable form. A quick learner, a self-starter, focused on delivering results and bring a lot of positive energy to the team.