Company Overview:

Talent Pro is a leading provider of comprehensive workforce solutions, connecting exceptional talent with top organizations across diverse sectors. We specialize in recruitment, staffing, and HR consulting, operating across industries such as BFSI, IT, and manufacturing. With a strong presence in major metropolitan areas, Talent Pro is committed to delivering tailored solutions that drive business success for our clients and career advancement for our candidates.

Role Overview:

As a Credit Risk Analyst specializing in Unsecured Loans, you will play a crucial role in assessing and managing the credit risk associated with our unsecured lending portfolio. You will be responsible for conducting in-depth financial analysis, developing and implementing credit risk models, and monitoring portfolio performance to identify potential risks and opportunities. This role involves collaborating with cross-functional teams, including credit control, sales, and technology, to ensure the effective management of credit risk and the achievement of business objectives. Your insights will directly impact the profitability and sustainability of our unsecured lending business.

Key Responsibilities:

- Conduct comprehensive financial analysis of loan applicants, evaluating their creditworthiness based on financial statements, credit reports, and other relevant data.

- Develop and implement credit risk models and scoring systems to assess the probability of default and loss given default for unsecured loans.

- Monitor and analyze portfolio performance, identifying trends, anomalies, and potential risks that may impact the overall credit quality.

- Prepare regular reports on portfolio performance, risk exposures, and key performance indicators for senior management and relevant stakeholders.

- Collaborate with credit control and collections teams to develop and implement strategies for mitigating credit losses and improving recovery rates.

- Contribute to the development and enhancement of credit policies, procedures, and guidelines to ensure compliance with regulatory requirements and best practices.

- Conduct stress testing and scenario analysis to assess the impact of adverse economic conditions on the unsecured loan portfolio.

- Stay abreast of industry trends, regulatory changes, and emerging risks that may impact the unsecured lending business.

Required Skillset:

The ideal candidate will demonstrate a strong understanding of credit risk management principles and practices, coupled with excellent analytical and problem-solving skills. They should also possess the ability to communicate effectively with both technical and non-technical audiences.

- Proven ability to perform in-depth financial analysis and interpret financial statements.

- Demonstrated expertise in developing and implementing credit risk models and scoring systems.

- Strong understanding of statistical modeling techniques and data analysis tools.

- Excellent communication, presentation, and interpersonal skills.

- Ability to work independently and collaboratively in a fast-paced environment.

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

- 3-6 years of relevant experience in credit risk management, preferably in the unsecured lending space.