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Experience
2 - 5 Years
Monthly Salary
₹122,000 - ₹136,000 ($1,342 - $1,496)
Job Location
Remote (Company based out of Mumbai, Jaipur, Delhi/New Delhi - India)
Education
Bachelors(Finance)
Nationality
Indian, Filipino, Nepali, Pakistani
Gender
Any
Vacancy
3 Vacancies
Job Description
Roles & Responsibilities
End-to-End Ownership: Manage the full credit lifecycle from initial application review through to final credit decisioning.
Risk Evaluation: Conduct thorough credit analysis and interpret financial statements (P&L, balance sheets, and tax returns) to determine creditworthiness.
Policy Expertise: Apply banking credit policies accurately while identifying areas of flexibility, legitimate exceptions, and necessary escalation pathways.
Strategic Thinking: Identify policy changes and understand the "intent" behind the rules, rather than just following a checklist.
Market Awareness: Navigate policy variations across different lenders, including how various institutions treat different income types, liabilities, and non-standard applications.
Financial Modeling: Perform serviceability calculations and utilize credit scoring models in alignment with responsible lending standards.
Stakeholder Management: Articulate credit decisions and rationales clearly and professionally to all relevant stakeholders.
Desired Candidate Profile
Experience: Minimum 2–3 years of experience in a Credit Assessor or Credit Analyst role within a bank or financial institution.
Software Proficiency: Mandatory experience using SalesTrekker and Flex tools for credit processing and application management.
Independent Judgment: Proven ability to move beyond "tick-box" processing and exercise sound, independent credit judgment.
Product Knowledge: Experience across multiple lending products is highly regarded.
Communication: Strong verbal and written communication skills to justify and explain complex credit decisions.
Technical Literacy: Solid working knowledge of serviceability calculations and credit risk evaluation.
Employment Type
- Full Time
Company Industry
- Banking
- Financial Services
- Broking
Department / Functional Area
- Other
Keywords
- SALESTREKKER
- Loan Processing Specialist
- Loan Officer Assistant
- Mortgage Processor
- Credit Analyst
- Mortgage Administrator
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