Job id : 37132
Credit Analyst
Credit Analyst
Bangalore / Bengaluru
4 years ago
13 Applied
JOB ID:37132
Job details
Job Type
Full Time
Functional Area
QA/Testing
Industry
IT-Software/Software Services
Education
Not Specified
Experience Required
3 - 10 Yrs
Key Skills Required
Credit Risk, SAS, R, Python, Risk Management, Risk Analysis
Other Skills Required
Job Description
Roles and Responsibilities
Develop, implement and maintain credit underwriting strategy for various lending products in the Indian market.
Evaluating businesses’ financial statements and other credit data (alternative bureau, behavioral & macroeconomic data) in order to determine the risk involved in extending credit facilities.
Formulating strategy and templates for generating credit risk reports and credit scorecards for different types of businesses.
Expertise in analyzing commercial credit reports from bureaus and interpreting them in the right light for assessing over risk.
Thorough ratio analysis on liquidity, cash flows, profitability, leverage and efficiency to determine ability to repay.
Understand early warning signals for increased risk in a portfolio/ specific asset over the tenure of the loan
Use statistical tools and analytical techniques to generate issue credit decisions (go/ no-go and pricing).
Keep up-to-date on applicable regulations and compliance requirements with possible... See More
Develop, implement and maintain credit underwriting strategy for various lending products in the Indian market.
Evaluating businesses’ financial statements and other credit data (alternative bureau, behavioral & macroeconomic data) in order to determine the risk involved in extending credit facilities.
Formulating strategy and templates for generating credit risk reports and credit scorecards for different types of businesses.
Expertise in analyzing commercial credit reports from bureaus and interpreting them in the right light for assessing over risk.
Thorough ratio analysis on liquidity, cash flows, profitability, leverage and efficiency to determine ability to repay.
Understand early warning signals for increased risk in a portfolio/ specific asset over the tenure of the loan
Use statistical tools and analytical techniques to generate issue credit decisions (go/ no-go and pricing).
Keep up-to-date on applicable regulations and compliance requirements with possible... See More
Roles and Responsibilities
Develop, implement and maintain credit underwriting strategy for various lending products in the Indian market.
Evaluating businesses’ financial statements and other credit data (alternative bureau, behavioral & macroeconomic data) in order to determine the risk involved in extending credit facilities.
Formulating strategy and templates for generating credit risk reports and credit scorecards for different types of businesses.
Expertise in analyzing commercial credit reports from bureaus and interpreting them in the right light for assessing over risk.
Thorough ratio analysis on liquidity, cash flows, profitability, leverage and efficiency to determine ability to repay.
Understand early warning signals for increased risk in a portfolio/ specific asset over the tenure of the loan
Use statistical tools and analytical techniques to generate issue credit decisions (go/ no-go and pricing).
Keep up-to-date on applicable regulations and compliance requirements with possible interactions with internal and external regulators.Desired Candidate Profile
Ideal candidate should possess the aptitude to take up any task, investigate independently and come up with multiple solutions highlighting the pros and cons for each.Need to have a healthy startup attitude.We are looking for candidates who have a solid understanding of concepts, best practices and have a good approach to learning and problem solving, with leadership abilities to shoulder the automation testing efforts of the Company.Required
Bachelor’s in mathematics, Statistics, Economics, Engineering or a related field.
CA/ MBA preferred.
3+ years of relevant experience in Credit Risk.
Building, improving, or analyzing risk management in a corporate/ small business lending or similar data driven industries like insurance etc.
Using Microsoft Office suite, Excel (including creation of pivot tables, logic functions, data tables and regression analysis) in particular.
Visualizing complex data analyses and communicating to a wide variety of audiences, including senior leadership in financial institutions.
Worked in a cross-functional role while handling multiple projects simultaneously.Good to have
Developing financial models and providing financial forecasts.
Experience with statistical analysis and financial forecasting.
Attention to detail and the ability to identify data patterns.
Knowledge and experience of using statistical modelling tools such as SAS, R, Python etc. for analyzing time-series data.
Good verbal and written communication skills.
Abreast of industry updates.
Flexible and mature approach with ability to work unsupervised. See Less
Develop, implement and maintain credit underwriting strategy for various lending products in the Indian market.
Evaluating businesses’ financial statements and other credit data (alternative bureau, behavioral & macroeconomic data) in order to determine the risk involved in extending credit facilities.
Formulating strategy and templates for generating credit risk reports and credit scorecards for different types of businesses.
Expertise in analyzing commercial credit reports from bureaus and interpreting them in the right light for assessing over risk.
Thorough ratio analysis on liquidity, cash flows, profitability, leverage and efficiency to determine ability to repay.
Understand early warning signals for increased risk in a portfolio/ specific asset over the tenure of the loan
Use statistical tools and analytical techniques to generate issue credit decisions (go/ no-go and pricing).
Keep up-to-date on applicable regulations and compliance requirements with possible interactions with internal and external regulators.Desired Candidate Profile
Ideal candidate should possess the aptitude to take up any task, investigate independently and come up with multiple solutions highlighting the pros and cons for each.Need to have a healthy startup attitude.We are looking for candidates who have a solid understanding of concepts, best practices and have a good approach to learning and problem solving, with leadership abilities to shoulder the automation testing efforts of the Company.Required
Bachelor’s in mathematics, Statistics, Economics, Engineering or a related field.
CA/ MBA preferred.
3+ years of relevant experience in Credit Risk.
Building, improving, or analyzing risk management in a corporate/ small business lending or similar data driven industries like insurance etc.
Using Microsoft Office suite, Excel (including creation of pivot tables, logic functions, data tables and regression analysis) in particular.
Visualizing complex data analyses and communicating to a wide variety of audiences, including senior leadership in financial institutions.
Worked in a cross-functional role while handling multiple projects simultaneously.Good to have
Developing financial models and providing financial forecasts.
Experience with statistical analysis and financial forecasting.
Attention to detail and the ability to identify data patterns.
Knowledge and experience of using statistical modelling tools such as SAS, R, Python etc. for analyzing time-series data.
Good verbal and written communication skills.
Abreast of industry updates.
Flexible and mature approach with ability to work unsupervised. See Less
About Company
Crediwatch is a data analytics platform that deploys scalable deep learning tools across disparate digital footprints left by private companies ( big and small) to provide real time insights on customers, vendors, competitors and help make far superior business decisions to prevent revenue leakage and increase efficiency
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