Credit Review Consultant - Sr

The Credit Review Senior Consultant will work within the Credit Review team, serving as a third line of defense. The team independently verifies and validates credit underwriting and lending processes, ensuring accuracy and compliance with internal and external standards. The role requires a deep understanding of the credit lifecycle, including acquisition, customer management, and collections, as well as a high-level comprehension of P&L and risk concepts.

Key Responsibilities :

• Credit Underwriting and Lending Review :
• Independently review and validate credit underwriting and lending practices.
• Ensure compliance with internal policies and regulatory standards.
• Collaborate with the first and second lines of defense to gather necessary information and validate methodologies.
• Quarterly Reviews and Monitoring :
• Conduct ongoing quarterly reviews of credit portfolios and risk assessments.
• Monitor credit risk metrics and report findings to senior management.
• Identify areas for improvement and recommend corrective actions.
• Internal Audit (IA) Examinations :
• Assist in responding to IA examinations conducted by regulators and external auditors
• Collect, analyze, and summarize data to support audit responses.
• Prepare documentation, including data reports, presentations, and summaries, for audit purposes.

Desired Skills, Experience and Qualifications :

Preferred Qualifications :

Key Competencies :

Location : Bangalore