Rosmerta - Manager - Financial Risk & Credit Evaluation

Key Responsibilities

• Risk Assessment & Credit Evaluation: Conduct in-depth financial risk assessments of loan applicants by meticulously evaluating financial documents, including balance sheets, profit and loss statements, and bank statements.
• Credit Line & CIBIL Assessment: Accurately assess credit lines and access CIBIL ratings to determine the creditworthiness of potential borrowers.
• You'll use this data to make informed decisions on loan approvals.
• Report & MIS Analysis: Analyze various financial reports, including credit bureau reports, company profiles, and market data, to identify potential risks and opportunities.
• You'll also be responsible for maintaining accurate MIS (Management Information System) documentation.
• Process Improvement: Identify and implement process efficiencies, including leveraging technology for streamlined evaluation processes, to enhance our ability to assess risk and make timely decisions.
• Compliance & Documentation: Ensure all credit evaluation and risk assessment processes comply with internal policies and external regulatory guidelines.
• Maintain meticulous and organized records of all assessments and decisions.
• Team Collaboration: Work closely with the sales and operations teams to facilitate a smooth loan application process, providing clear and concise feedback on credit decisions.
  

Qualifications & Skills

• Educational Background: A degree in Chartered Accountancy (CA), MBA in Finance, or a Post Graduate in Finance & Credit Domain is essential.
• Technical Proficiency: Strong understanding of financial statements, ratios, and risk analysis techniques.
• Experience with credit risk software and financial modeling is a plus.
• Analytical Skills: Exceptional analytical and problem-solving skills with a keen eye for detail.
• Communication: Excellent written and verbal communication skills to articulate complex financial information clearly.
• Attention to Detail: Meticulous and detail-oriented approach to document evaluation and data analysis.
  

Application Process