Analyst - SME Lending Risk

Company Overview:

Our company is a leading financial institution specializing in providing tailored lending solutions to Small and Medium Enterprises (SMEs) across India. We operate across various sectors, offering a comprehensive suite of financial products designed to fuel growth and empower businesses. With a significant presence in the SME lending space, we are committed to driving financial inclusion and supporting the entrepreneurial ecosystem.

Role Overview:

As an Analyst, SME Lending Risk, you will play a critical role in assessing and managing credit risk associated with our SME lending portfolio. Your day-to-day responsibilities will involve analyzing financial statements, evaluating creditworthiness, and developing risk mitigation strategies. You will collaborate closely with the credit underwriting, sales, and portfolio management teams to ensure sound lending practices and contribute to the overall health of the loan portfolio. This role directly impacts the company's ability to make informed lending decisions, minimize potential losses, and support the growth of SMEs.

Key Responsibilities:

- Conduct thorough credit risk assessments of SME loan applications, analyzing financial statements, industry trends, and market conditions to determine creditworthiness.

- Develop and implement risk mitigation strategies to minimize potential losses and ensure the quality of the SME lending portfolio.

- Monitor the performance of the SME loan portfolio, identifying early warning signals and recommending corrective actions to address potential risks.

- Prepare detailed credit risk reports and presentations for senior management, providing insights into portfolio performance and emerging risks.

- Collaborate with the credit underwriting, sales, and portfolio management teams to ensure consistent application of credit policies and procedures.

- Stay abreast of regulatory changes and industry best practices related to SME lending risk management, ensuring compliance and continuous improvement.

Required Skillset:

- Demonstrated ability to analyze financial statements and assess credit risk in the SME sector.

- Proven experience in developing and implementing risk mitigation strategies.

- Strong understanding of credit risk management principles and practices.

- Excellent analytical, problem-solving, and decision-making skills.

- Effective communication and interpersonal skills, with the ability to collaborate with cross-functional teams.

- Bachelor's/Master's degree in Finance, Economics, or a related field.

- 4-8 years of relevant experience in SME lending risk management or credit risk analysis.

- Ability to work effectively in a fast-paced, dynamic environment in Bangalore.