01Overview
Role & responsibilities
Formulation of Credit Policy for SME/ Financial institutions & Loans to NBFC.
Review amendment proposal to credit policies & effective implementation.
Review and Analysis of historical loan data to understand the pattern from delinquency point of view.
Apply statistical tool to analyze the pattern and come with detailed assessment.
Review and Prepare risk dashboard for management which shows all important risk parameters, Customer, vendor, competition visits. Market analysis.
Continuous monitoring of borrowers through visits, QM review, EWS and quarterly tracking of financials.
Proficiency in Credit Proposal Underwriting & credit risk for Business Loans Proposal & NBFC Funding Proposals
Understanding of Financial Statement & fund requirements of medium to large Corporates & NBFCs.
Develop rating model/scorecard for various retail and corporate loans based on historical data
Testing of scorecard/model on a regular basis and update
Coordinate with various stakeholder for the rating model implementation .
interested candidates may share their updated resume on adarsh.pandey@utkarsh.bank.in .
