Credit Analyst

Portfolio Monitoring & Compliance · Portfolio Analysis: ü Perform portfolio analysis across products, geography, customer segments, and ticket sizes to assess portfolio health. ü Track delinquency trends, flow rates, bucket movements, and other key portfolio risk indicators. ü Conduct vintage and cohort analysis to monitor portfolio performance over time. ü Identify emerging risks, concentration exposures, and deterioration in portfolio quality. ü Prepare portfolio risk reports, dashboards, and analytical cuts for management review. ü Present portfolio trends, risk build-up, and insights to senior management. · Portfolio Monitoring : Monitor early warning signals and changes in borrower repayment behaviour. · Quality Assurance: ü Conduct sample-based credit file audits to verify adherence to credit policy, sanction conditions, and documentation requirements. ü Identify process gaps, policy deviations, and control weaknesses during audits and highlight the same to management. Credit Und...