Credit Analyst INTERNAL USAGE: No. of Vacancies: Reports to:Area Manager- Credit Analyst Is a Team leader?NTeam Size:NA Grade:AM/DM Business:Bharat BankingDepartment: Bharat EnterpriseSub-Department:Nano Business Location: About This is new vertical in Bharat Banking-Bharat Enterprise. This vertical specially caters to credit needs of Nano business enterprises wherein the credit requirement both secured and un-secured in between 1-20 Lakh. About the Role 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 Key Responsibilities • 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) Qualifications 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 Role Proficiencies: 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