Analyst, Credit Analyst - Maker, Small Medium Enterprises.
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**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:**
Pune\-DBIL **Job:**
Risk Management **Schedule:**
Regular **Employee Status:**
Full time
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