Bharat Banking:Credit Analyst - Nano Business | AxisBank Job

The Credit Analyst is responsible for credit and income assessment as per prescribed parameters for the leads generated by Sales Team for Nano secured and un-secured business loan with ticket size between 1-20 Lakh. 

The Role is expected to deliver on portfolio quality and TAT as per defined parameters of the bank

• Customers assessment by visiting business, residence and collateral place
• Meet customer to capture data points with regard to income based on business specific PD sheet
• Ensure the verification process is compiled within expected TAT with first time right approach
• Broad assessment of collateral w.r to valuation and other parameters as per banks policy
• Conduct holistic and quality reference checks
• Ensure compliance w.r to documentation and other policy guidance
• Manage early delinquencies to ensure portfolio performance
• Should have valid two wheeler driving licenses, two wheeler and Smart phone (preferably android9/IOS 9 and above)

Optimal qualification for success on the job is:

• Education: Graduation/Post Graduation 
• Age: Max: 30 Year
• Experience: 1-5 Years of experience in verification/PD bases assessment of customer in Bank or NBFC for- Nano/Micro Business Loans/ Small ticket LAP/ Self-employed PL/ AHL
  • Good understanding of Micro/Small unsecured Business loan, Affordable housing or Small ticket LAP

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

• Knowledge 
• Good knowledge of field level operations and systems
• Experience in assessed business income is must. 
• Should have knowledge on 
  • Local market understanding
  • Understanding on Bank statement
  • Repayment record assessment
  • Understanding of local market practices with regard to legal and valuation of property
• Skills 
• Good communication (both verbal & written) and inter-personal skills
• Time management
• Local language

• Abilities 
• Ability to work effectively across functions
• Ability to work as a part of team and contribute towards team goals
• Ability to travel minimum 15- 20 days a month