Job Description for Credit Role

You will report to the Sr. Manager- Credit. Your responsibilities will include evaluating the financial
state of potential customers, monitoring existing clients, performing risk assessments, determine
credit worthiness of applicants, writing detailed reports, and making informed decisions while
extending credit.

Responsibilities

• Credit Assessment: Conduct comprehensive analysis of credit proposals, including business

operations, financial statements, performance, and projections to evaluate the
creditworthiness of entities

• Relationship Management: Engage with key management personnel of rated entities to

understand their strategy, background, business model, and risks

• Credit Proposal Preparation: Prepare credit notes and present proposals to lenders to
facilitate quick and successful loan sanctions. Ensure adherence to the terms and conditions
of each lender

• Portfolio Management: Oversee the end-to-end borrower journey from proposal receipt to
loan disbursement. Conduct periodic reviews of customer performance and monitor portfolio
quality

• Risk Mitigation: Take necessary steps for risk mitigation, ensuring compliance with legal and
documentation norms. Highlight credit risks and propose mitigating actions to relevant
approving authorities

• Lender Relationship and Product Structuring: Coordinate with lenders for portfolio
diversification and profitability. Structure financial products based on applicant requirements
in collaboration with lenders

• Team Leadership and Management: Lead and manage a team of credit analysts and
associates, including staffing, talent retention, training, coaching, and performance
management

• Reporting and Stakeholder Coordination: Prepare and present regular management

information system (MIS) reports on portfolio performance. Coordinate with stakeholders
and ensure alignment of objectives

• Process Efficiency and Automation: Identify opportunities for process efficiency and
digitization using tools and technology. Collaborate with operations, product, and tech teams
to implement automation solutions

• Additional Responsibilities: Complete any additional tasks assigned by senior management

as and when required
Requirements

• CA or MBA in Finance from a premier Institute

• 1-3 years of experience in credit evaluation or fixed income fundamental research with
Banks/NBFC/Start- ups/Credit rating agency/Mutual Funds/Insurance companies

• Experience in conducting Credit Assessment of business loans in Banks/NBFC/Fin- tech will

be an added advantage

• Solid grasp of financial analysis and risk models

• Ability & keen interest in understanding Businesses and its drivers

• Hands-on experience in Excel; love working with numbers and analytical in your approach