Bharat Banking:Credit Analyst - Nano Business

Experience: 5 - 8 Years

Credit Analyst

Internal Usage:

No. of Vacancies: Reports to:Area Manager- Credit Analyst

Is a Team leader?NTeam Size:NA

Grade:AM/DM

Business:Bharat Banking Department: Bharat Enterprise Sub-Department:Nano Business

Location:

About

This is new vertical in Bharat Banking-Bharat Enterprise. This vertical specially caters to credit needs of Nano business enterprises wherein the credit requirement both secured and un-secured in between 1-20 Lakh.

About the Role

The Credit Analyst is responsible for credit and income assessment as per prescribed parameters for the leads generated by Sales Team for Nano secured and un-secured business loan with ticket size between 1-20 Lakh.

The Role is expected to deliver on portfolio quality and TAT as per defined parameters of the bank

Key Responsibilities

• Customers assessment by visiting business, residence and collateral place
• Meet customer to capture data points with regard to income based on business specific PD sheet
• Ensure the verification process is compiled within expected TAT with first time right approach
• Broad assessment of collateral w.r to valuation and other parameters as per banks policy
• Conduct holistic and quality reference checks
• Ensure compliance w.r to documentation and other policy guidance
• Manage early delinquencies to ensure portfolio performance
• Should have valid two wheeler driving licenses, two wheeler and Smart phone (preferably android9/IOS 9 and above)

Qualifications

Optimal qualification for success on the job is:

• Education: Graduation/Post Graduation
• Age: Max: 30 Year
• Experience: 1-5 Years of experience in verification/PD bases assessment of customer in Bank or NBFC for- Nano/Micro Business Loans/ Small ticket LAP/ Self-employed PL/ AHL
• Good understanding of Micro/Small unsecured Business loan, Affordable housing or Small ticket LAP

Role Proficiencies:

For successful execution of the job, a candidate should possess the following:

• Knowledge
• Good knowledge of field level operations and systems
• Experience in assessed business income is must.
• Should have knowledge on
• Local market understanding
• Understanding on Bank statement
• Repayment record assessment
• Understanding of local market practices with regard to legal and valuation of property
• Skills
• Good communication (both verbal & written) and inter-personal skills
• Time management
• Local language
• Abilities
• Ability to work effectively across functions
• Ability to work as a part of team and contribute towards team goals
• Ability to travel minimum 15- 20 days a month