Credit Risk Analyst - SME Lending

About the Company

Anand Rathi Global Finance Limited is a financial services company registered with Reserve Bank of India as a non-banking finance company (NBFC) and classified as a Loan Company that is categorized as 'Systemically Important Non-Deposit taking Non-Banking Financial Company (NBFC-ND-SI). The Company is engaged in the business of lending and offers products such as Lending to SME sector, LAP, Construction Finance, Loan against Securities, etc.

Candidate should have minimum experience in this role should be 4-5 years.

Preferred qualifications - CA, MBA, CFA

Job Responsibilities for this role are :

• Overall retail book portfolio analysis & management, monitoring of various risk triggers, in order to effectively assess and manage the risk. This involves implementing corrective action based on portfolio performance.
• Preparation of Policy / amendment / launch of new product as per the Regulatory OR business requirement.
• Monitoring of underlying portfolio through quarterly financials, news articles, security perfection etc. to maintain credit hygiene.
• Risk Analysis and review of High value loan proposals including FIG (Lending to NBFCs), LAP, LAS to ensure compliance with internal and Regulatory guidelines.
• Preparation of brief risk notes covering summary of account, highlighting risk involved in account / group / transaction and its mitigants / covenants along with rationale & recommendation for proposed exposure.
• Preparation of monthly Risk decks / newsletters to various stakeholders. Discussion with multiple stakeholders.
• Attending Sanctioning Committees meetings and presenting Risk team views for the account.
• Regularly interacting with customers in the portfolio for credit related issues and monitoring. Interacting with rating agencies and other Lenders for due diligence.
• Monitoring of underlying portfolio through tracking of PAR / MFIN data, quarterly financials, news articles, security perfection etc. to maintain credit hygiene.
• Handling various Audits queries related to Internal and Regulatory audits.
• Responsible for execution of BRE / system related automation.
• Publishing Bounce and PDD MIS and regular discussion and monitoring for improvement.
• Conduct market and industry analyses to assess external factors influencing client performance.
• Launch of new policy program and amendment to existing program on account of changes in business environment, regulatory requirements, portfolio performance, business requirements.