Regional Business Analyst - Credit Risk - Mid Market Segment - BFSI

Key Aspects of the role:

- To ensure the quality credit appraisal within the stipulated TAT from the entire team to aid decisioning by risk

- To ensure healthy approval rates for the region.

- To ensure Nil Infant delinquency and portfolio hygiene for the region.

- To ensure strict compliance of internal guidelines, policy parameters and statutory regulation while appraising the cases.

Internal Challenges:

- TAT and Productivity commitments, balancing with need for aggressive growth rates.

- Other internal challenges are deficiencies in loan policies/administration, absence of prudential credit concentration limits, inadequately defined lending limits for Loan Officers/Credit Committees, deficiencies in appraisal of borrowers' financial position, excessive dependence on collaterals and inadequate risk pricing, absence of loan review mechanism and post sanction surveillance, etc.

External Challenges: The external factors are the state of the economy, wide swings in commodity/equity prices, foreign exchange rates and interest rates, trade restrictions, economic sanctions, Government policies, etc.

Key role facets :

- Regulatory requirements mandate procedures and systems to ensure credit risk mitigation

- Credit analysis and loan underwriting are extremely critical components of the lending cycle to ensure limited risk exposure to bad loans

- Thoroughness of on -going credit reviews for existing clients enables early warning and pre-emptive action on potential defaults by existing clients, if required

- Absence of strong credit analytics can also result in adverse impact on credit rating and profitability of NBFC in the long run

- Monitor many critical variables with respect to credit risk, due diligence and ensure timely closure of loan sanction process

- Manage business stakeholders while ensuring due checks are performed on all credit proposals

- Understand how and what to verify and highlight irregularities/ concerns in a timely manner to the right approval authorities or business teams for resolution

- Understand the various loan covenants from a financial perspective

- Keep abreast with the financial, know how, loan structuring procedures, market best practices in order to provide the most optimal credit policy inputs