Sr Credit Analyst - SME

About the role

Senior Credit Analyst – SME in Ernakulam evaluates credit proposals for small and medium enterprises, ensuring alignment with delegation authority. The role involves reviewing delinquent cases, documenting lessons for risk management, and monitoring non‑performing assets. Analysts recommend policy and process changes based on local market nuances and competitor insights, and implement system integration plans to streamline operations. Regular customer visits support portfolio development, while identification of process gaps and potential risks informs internal control enhancements. With 1‑5 years of experience, a graduate degree, and CAMBA certification, the analyst contributes to robust credit risk frameworks and supports the organization’s growth objectives.

What you’ll do

• Appraise and approve credit proposals per delegation.
• Review delinquent cases and document learnings for risk management.
• Recommend policy/process changes based on local nuances.
• Implement system integration plans.
• Monitor NPA and track performance.
• Conduct customer visits for PD.
• Identify process gaps and potential risks.
• Suggest internal controls and ensure implementation.

What you’ll bring

Graduate degree (any specialization)

Nice to have

CAMBA certification

Skills

Education

Graduate