Credit Analyst

Responsibilities:
Customer Credit Underwriting: Perform comprehensive credit analysis of the customer and create a standardized credit report for management review and approval.
Customer Background Verification Analysis: Analyzing customer field inspections done via in-house teams/third parties, verifying through tele-verification, and creating a final CAM (Credit Assessment Memo) for management review and approval.
MIS and Portfolio Health Management: Creating regular MIS and portfolio health reports to monitor and actively find early warning signs, and constantly optimizing underwriting methods accordingly.
Process Building and Automation: Building, automating, and productizing credit processes to reduce overall turnaround time.
Cross-functional Collaboration: Working closely and supporting on-ground sales and operations teams and with other central teams.
Customer NPS: Ensuring the best possible experience for the end customer.
Requirements:
A bachelor's degree from a reputed university and finance-specific professional qualifications/certification are a plus.
Work experience of 3+ years in retail credit underwriting is mandatory.
Experience specific to loans in the automotive industry is a plus.
Experience in creating MIS and portfolio management, including reports, is required.
Ability to build, scale, and improve processes and solve complex problems, working in a dynamic and agile environment.
Excellent communication and interpersonal skills.
Proficiency in Microsoft Office Suite and CRM software.

Experience
1-5 yrs