Credit and Risk Analyst

Job Title: Central Credit Manager

Location: Head Office, Bangalore

Job Description:

• Lead credit underwriting and risk assessment for Affordable Housing Finance, Home Loans, and Business Loans.
• Develop, review, and implement credit policies, underwriting frameworks, and income surrogate programs for self-employed and informal-income customers.
• Evaluate complex credit proposals, policy deviations, and escalated cases within delegated authority.
• Monitor portfolio quality, delinquency trends, early warning indicators, and credit risk exposure.
• Assess collateral, property valuation, legal and technical risks, including rural and semi-urban properties.
• Strengthen underwriting governance, First-Time-Right practices, fraud controls, and credit audit processes.
• Ensure compliance with internal credit policies and applicable RBI/NHB regulations.
• Collaborate with Business, Operations, Risk, Compliance, Audit, and IT teams to improve credit processes and portfolio performance.

Candidate Profile:

• MBA Finance, CA, CFA, FRM, or relevant postgraduate qualification.
• 47 years of experience in Retail Credit Risk or Underwriting.
• Minimum 23 years of experience in Affordable Housing Finance or Home Loan underwriting.
• Strong expertise in credit appraisal, informal income assessment, cash-flow analysis, credit policy, collateral risk, and portfolio monitoring.
• Experience in NBFCs, HFCs, or banks; exposure to rural and semi-urban lending is preferred.