Job Purpose:
Credit Analyst - Maker plays a crucial role in ensuring the smooth and efficient login of Small and Medium-sized Enterprises (SMEs) onto our SFW platform. This involves processing SME login requests, meticulously conducting assessments and hygiene checks, and adherence to established product and policy guidelines. The role requires a high level of accuracy, attention to detail, and a strong understanding of credit risk assessment principles.
Key Accountabilities:
- TAT Adherence: Meet defined Turn Around Time (TAT) targets for application to Approval of logins.
- Credit Assessment: Conduct thorough credit assessments of SMEs based on provided information and internal guidelines, identifying potential risks.
- Hygiene Checks: Perform comprehensive hygiene checks on all SME applications, ensuring compliance with regulatory requirements, internal policies, and product specifications. This includes reviewing KYC/AML documentation and other relevant compliance materials.
- Data Management: Maintain accurate and up-to-date records of all processed applications, ensuring data integrity and consistency.
- Policy Adherence: Strictly adhere to established credit policies, procedures, and regulatory requirements throughout the entire application processing workflow.
- Communication: Effectively communicate with internal teams and stakeholders regarding application status and any identified issues.
- Problem Solving: Identify and resolve any discrepancies or issues encountered during the application processing workflow, escalating complex issues to the appropriate personnel as needed.
- Continuous Improvement: Contribute to the continuous improvement of processes and procedures by identifying opportunities for efficiency gains and risk mitigation.
Job Duties & responsibilities
- SME login: Process and verify SME login requests, ensuring all necessary documentation is complete and accurate. This includes data entry, verification of identity and business registration details.
- TAT Adherence: Meet defined Turn Around Time (TAT) targets for application to Approval of logins.
- Credit Assessment: Conduct thorough credit assessments of SMEs based on provided information and internal guidelines, identifying potential risks.
- Hygiene Checks: Perform comprehensive hygiene checks on all SME applications, ensuring compliance with regulatory requirements, internal policies, and product specifications. This includes reviewing KYC/AML documentation and other relevant compliance materials.
- Data Management: Maintain accurate and up-to-date records of all processed applications, ensuring data integrity and consistency.
- Policy Adherence: Strictly adhere to established credit policies, procedures, and regulatory requirements throughout the entire application processing workflow.
- Communication: Effectively communicate with internal teams and stakeholders regarding application status and any identified issues.
- Problem Solving: Identify and resolve any discrepancies or issues encountered during the application processing workflow, escalating complex issues to the appropriate personnel as needed.
- Continuous Improvement: Contribute to the continuous improvement of processes and procedures by identifying opportunities for efficiency gains and risk mitigation.
- Other duties as assigned.
Requirements
- 3 to 7 years’ experience in SME lending
- Hands-on experience in loan application processing, Credit underwriting or assessment
- Experience of KYC / AML and compliance checks
- Experience working with banking or financial services institutions preferred
- Strong understanding of credit risk assessment principles and SME financial analysis
- Experience with SME lending platforms systems and credit processing workflow
- Knowledege of KYC/AML compliance and banking regulations and internal credit policies.
- Proficiency in Microsoft Excel ( data tracking, MIS, analysis) and Microsoft office tools.
Education / Preferred Qualifications
- Master’s degree in finance, Accounting, or a related field
Core Competencies
- Proven experience in a credit analysis or similar role, preferably within the SME sector.
- Strong understanding of credit risk assessment principles and methodologies.
- Excellent attention to detail and accuracy.
- Strong analytical and problem-solving skills.
- Excellent communication and interpersonal skills.
- Ability to work independently and as part of a team.
- Knowledge of relevant regulations and compliance requirements.
Technical Competencies
- Experience with SME lending platforms or systems.
- Proficiency in Microsoft Office Suite, particularly Excel.
Work Relationship
- A collaborative relationship focused on achieving team goals and maintaining quality standards.
DBS India - Culture & Behaviors
- As per PRIDE values of DBS
Location:
Bangalore
Job:
Risk Management
Schedule:
Regular
Employee Status:
Full time
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