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.