Credit Wise Capital - Risk Analyst - Two Wheeler Finance

Job Title : - Risk Analyst - Two Wheeler Finance

Department : - Risk & Credit

Reporting To : - Manager / Head - Risk & Credit

Role Overview-

The Risk Analyst will be responsible for assessing, monitoring, and mitigating credit and operational risks in the two-wheeler loan portfolio. The role involves analyzing borrower profiles, developing risk models, identifying early warning signals, and ensuring adherence to credit policies and regulatory guidelines.

Key Responsibilities-

1. Credit Risk Assessment-

• Evaluate creditworthiness of customers using financial data, credit bureau reports, and internal scoring models.
• Assess dealer and DSA risk profiles to ensure quality sourcing.
• Review high-value and exception-based loan proposals for approval recommendations.

2. Portfolio Monitoring & Analysis-

3. Policy & Process Adherence-

4. Risk Modelling & Data Analytics-

5. Fraud Detection & Prevention-

6. Cross-functional Collaboration-

Qualifications & Experience-

Skills & Competencies-

Key Performance Indicators (KPIs)-

(ref : iimjobs.com)