Bharat Banking : Credit Analyst - BE Retail

About Bharat Banking

The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and

integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or

'Bharat' markets.

To better capitalize on the growth runway and 'open the world of possibilities' for the Bharat customer, the bank has set up

a separate 'Bharat Bank' vertical. It is an amalgamation of products and geography, handling certain core products across

the country and all the products in the RUSU branches.

The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital

presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the

Bank to deliver to the Bharat customer.

The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency

to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring

About the Role

The Credit Analyst will manage the credit activities, processes for the B2B Wholesale Credit vertical for designated location.

Credit Analyst will be responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio

quality and also ensures adherence to the processes and guidelines as designed by the bank.

Key Responsibilities

• . Preparing sanction notes for Agri High Value PSL cases , SCF schemes and Bharat SCF cases to ensure maintenance

of desired proposal quality, assess creditworthiness of customers and accordingly take decision to sanction or

recommend for approval to higher authorities

internal model and suggest risk based loan pricing for the proposed deal.

Suggest appropriate measures, covenants and deal structures to the Sanctioning Authority as Risk mitigants.

highlight key risks factors and mitigants to make the case bankable.

towards delinquencies and detect early warning signals to be acted upon.

Qualifications

preparation for SME / Agri. / Corporate borrowers.)

Role Proficiencies :

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

Skills Required

Credit Appraisal