Credit Analyst - Credit SME Institutional - Delhi

Role summary

This position is responsible for evaluating institutional credit lending proposals, validating risk, and supporting approval decisions through detailed financial, business, and market analysis. The role also involves ongoing portfolio tracking, covenant review, early risk detection, and coordination with business, credit, pricing, and collections teams to maintain portfolio quality and turnaround standards.

Core responsibilities

• Review, assess, and recommend the viability of credit lending proposals using structured credit processes and current market intelligence.
• Make decisions on proposals within the limits of delegated authority.
• Analyze credit applications using market trends, macroeconomic conditions, and portfolio concentration data.
• Evaluate fresh credit requests and re-assess existing credit exposures.
• Meet existing clients above the specified threshold on a periodic basis, and meet all new clients before disbursement.
• Carry out a detailed examination of proposals, covering industry, business, financial, management, and facility-related risks.
• Identify collateral coverage and other risk mitigants to support decision-making by the approving authority.
• Coordinate with business teams to understand submitted proposals and collect the supporting information needed for assessment.
• Recommend practical structuring and risk-mitigation measures to relationship managers while keeping risk exposure under control.
• Help ensure the organization’s expected credit loss remains within acceptable limits.
• Support business analysts in improving speed and efficiency of proposal processing.
• Maintain efficient turnaround times for validating credit proposals.
• Ensure proposal analysis and decisions are completed within SLA targets.
• Put in place effective mechanisms and processes to deliver strong TAT performance and communicate them to stakeholders.
• Work with regional and zonal credit heads, sales heads, credit committees, and pricing committees to close the approval process after risk validation.
• Respond quickly to questions and clarifications raised by sanctioning authorities.
• Contribute ideas for new products, process improvements, and changes to credit lending norms.
• Improve approval notes and related processes to match evolving market needs and emerging customer segments.
• Recommend useful market tools that can strengthen monitoring and control processes.
• Track C&IB portfolio performance through ongoing review of business fundamentals, ratings, covenants, and sector conditions.
• Develop analytical methods to assess portfolio health from multiple angles and identify early warning indicators.
• Review loan covenants regularly and initiate action when serious deviations are observed.
• Study repayment schedules, covenant tracking, term changes, and sanction-related analytics.
• Protect the portfolio from potential losses by spotting deterioration signals early and informing business teams and senior management.
• Build strategies to reduce exposure where credit risk has increased, including initiating full recovery before accounts move to non-performing status.
• Coordinate closely with collections and legal teams for action against defaulting parties.
• Support capability building and knowledge sharing across the team.
• Coach business analysts to improve customer acquisition quality and strengthen their understanding of selection norms, proposal analysis, and new assessment approaches.

Additional information

The role is focused on institutional credit underwriting and portfolio risk monitoring. It requires strong coordination across commercial, risk, and recovery teams, along with the ability to apply judgment in dynamic market conditions.

Terms and conditions

No salary, stipend, experience range, education requirement, or vacancy count was specified in the source information.