About the Role :
At Lendingkart we are scouting for individuals who will be building, planning and implementing the overall finance strategy. If you want to start small, impact large – this is the place for you.
Key Responsibilities:
- Credit Risk Assessment: Analyze Bank statements, Bureau reports, and other related documents to assess credit risk and the financial health of clients
- Credit Evaluation: Provide recommendations based on credit scoring models and financial performance, ensuring decisions align with company policies and risk management guidelines.
- Understanding of Financial Statements: Calculate and understand financial ratios and evaluate financial position of the borrower
- Customer Interaction: Communicate with clients, to gather information and resolve queries related to credit assessments.
- Compliance and Regulation: Ensure adherence to relevant credit policies, legal regulations, and best practices in credit analysis.
- Trend Analysis: Stay updated on industry trends, market conditions, and macroeconomic factors affecting credit risk.
- TAT management: Credit Analyst is held accountable for completing tasks promptly while maintaining the quality of work.
Key Requirements:
- Education: MBA(Finance) / CA / Inter CA
- Experience: 3-6 years of experience in the credit vertical of any of the bank / Financial Institution/NBFC, Digital lending background would be an added advantage.
- They must have approval authority for Unsecured Business loan
Skills:
- Strong understanding of financial statements and credit reports.
- Proficiency in financials, risk analysis, and credit scoring systems.
- Familiarity with credit-related regulations, policies, and industry Standards.
- Excellent written and verbal communication skills.
- Strong analytical, problem-solving, and decision-making abilities.
- Ability to manage multiple tasks.
Personal Attributes:
- Detail-oriented with strong organizational skills.
- Ability to work independently and in a team-oriented environment.
- Strong interpersonal skills and the ability to interact effectively with clients to understand the business model.