Analyst, Credit Analyst - Maker, Small Medium Enterprises.

Job description

**Job Purpose:** Credit Analyst - Maker plays a crucial role in ensuring the smooth and efficient login of Small and Medium-sized Enterprises (SMEs) onto our SFW platform. This involves processing SME login requests, meticulously conducting assessments and hygiene checks, and adherence to established product and policy guidelines. The role requires a high level of accuracy, attention to detail, and a strong understanding of credit risk assessment principles. **Key Accountabilities:** - TAT Adherence: Meet defined Turn Around Time (TAT) targets for application to Approval of logins. - Credit Assessment: Conduct thorough credit assessments of SMEs based on provided information and internal guidelines, identifying potential risks. - Hygiene Checks: Perform comprehensive hygiene checks on all SME applications, ensuring compliance with regulatory requirements, internal policies, and product specifications. This includes reviewing KYC/AML documentation and other relevant compliance materials. - Data Management: Maintain accurate and up-to-date records of all processed applications, ensuring data integrity and consistency. - Policy Adherence: Strictly adhere to established credit policies, procedures, and regulatory requirements throughout the entire application processing workflow. - Communication: Effectively communicate with internal teams and stakeholders regarding application status and any identified issues. - Problem Solving: Identify and resolve any discrepancies or issues encountered during the application processing workflow, escalating complex issues to the appropriate personnel as needed. - Continuous Improvement: Contribute to the continuous improvement of processes and procedures by identifying opportunities for efficiency gains and risk mitigation. **Job Duties & Responsibilities** - SME login: Process and verify SME login requests, ensuring all necessary documentation is complete and accurate. This includes data entry, verification of identity and business registration details. - TAT Adherence: Meet defined Turn Around Time (TAT) targets for application to Approval of logins. - Credit Assessment: Conduct thorough credit assessments of SMEs based on provided information and internal guidelines, identifying potential risks. - Hygiene Checks: Perform comprehensive hygiene checks on all SME applications, ensuring compliance with regulatory requirements, internal policies, and product specifications. This includes reviewing KYC/AML documentation and other relevant compliance materials. - Data Management: Maintain accurate and up-to-date records of all processed applications, ensuring data integrity and consistency. - Policy Adherence: Strictly adhere to established credit policies, procedures, and regulatory requirements throughout the entire application processing workflow. - Communication: Effectively communicate with internal teams and stakeholders regarding application status and any identified issues. - Problem Solving: Identify and resolve any discrepancies or issues encountered during the application processing workflow, escalating complex issues to the appropriate personnel as needed. - Continuous Improvement: Contribute to the continuous improvement of processes and procedures by identifying opportunities for efficiency gains and risk mitigation. - Other duties as assigned. **Requirements** - 3 to 7 years’ experience in SME lending - Hands-on experience in loan application processing, Credit underwriting or assessment - Experience of KYC / AML and compliance checks - Experience working with banking or financial services institutions preferred - Strong understanding of credit risk assessment principles and SME financial analysis - Experience with SME lending platforms systems and credit processing workflow - Knowledege of KYC/AML compliance and banking regulations and internal credit policies. - Proficiency in Microsoft Excel ( data tracking, MIS, analysis) and Microsoft office tools. **Education / Preferred Qualifications** - Master’s degree in finance, Accounting, or a related field **Core Competencies** - Proven experience in a credit analysis or similar role, preferably within the SME sector. - Strong understanding of credit risk assessment principles and methodologies. - Excellent attention to detail and accuracy. - Strong analytical and problem-solving skills. - Excellent communication and interpersonal skills. - Ability to work independently and as part of a team. - Knowledge of relevant regulations and compliance requirements. **Technical Competencies** - Experience with SME lending platforms or systems. - Proficiency in Microsoft Office Suite, particularly Excel. **Work Relationship** - A collaborative relationship focused on achieving team goals and maintaining quality standards. **DBS India - Culture & Behaviors** - As per PRIDE values of DBS **Location:** Pune-DBIL **Job:** Risk Management **Schedule:** Regular **Employee Status:** Full time