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: Bangalore Job: Risk Management Schedule: Regular Employee Status: Full time