Credit Analyst

Who we are:

At Qiro, we are a dynamic team united by a mission to foster a fair, transparent, and decentralized global lending market. Our focus lies in developing an institutional private credit protocol that seamlessly connects on-chain stablecoin lenders with off-chain fintech borrowers.

What are we looking for:

We are seeking a highly skilled and experienced Head of Credit to lead our credit department and drive our lending strategies. As the Head of Credit, you will be responsible for overseeing all aspects of credit risk management, ensuring that our lending practices align with regulatory requirements and industry best practices while maximizing profitability.

Responsibilities:

• Head the Risk Policy, Credit Underwriting and Collection functions of corporate card, credit line, and working capital loans.
• Facilitate the development and constant update of risk policies and related frameworks.
• Proactive risk assessment of existing portfolio on regular basis identifying weak accounts.
• Constantly monitor and evaluate Early Warning Signals and deploy/ amend the limits structure for managing the risk concentration across a broad range of parameters.

Requirements:

• 5-7 years of experience in the Banking/NBFC/Fintech space with at least 3-4 years of experience at management level.
• In depth knowledge of Web debt fund, Structured debt, corporate financing and lending. 
• Strong understanding of regulatory requirements and compliance issues related to lending operations.
• Exceptional skills in understanding data, trend analysis, score cards and behavior scores is must

Nice to have:

• Excellent communication skills along with strong presentation and data analytics skills
• Professional certifications such as CFA, FRM, or similar credentials are a plus.

Benefits:

• Competitive salary and performance-based bonuses.
• Flexible remote work.
• Flexible working hours.
• Opportunities for professional development and career growth within a dynamic fintech company.

Company Description

Apollo Finvest is a publicly listed Non-Banking Financial Company (NBFC). Think of us as AWS for Lending. We enable any company to offer fully digital and compliant digital loan products to their end customers. Built on modern Restful APIs, we treat the financial services on our platform as building blocks, which our partners can mix and match to create loan products specifically tailored to their business model. 

Key Responsibilities

- Working closely with the Credit, Business, and Compliance team to manage and mitigate risk exposure.

- Monitoring of loan accounts, checking loan documents & timely preparing various MIS reports.

- Streamline operational processes to enhance efficiency.

- Ensure completeness of documentation in accordance with approved terms and conditions.

- Develop Risk and Operational strategy for line management, collections, underwriting, pricing etc.

- Assist COO and Credit team with operational and financial data analysis to establish early warning signals for risk exposure across lending products.

- Complying with RBI/Regulatory guidelines and establishing processes to safeguard risk exposure

Minimum Requirements

- Proven experience of minimum 5 years in progressively responsible risk and/or operations roles within the NBFC sector

- Has experience with scaling and managing lending products

- Attitude to work at lightning fast speed

- Background of underwriting, credit sanctioning, or credit policy drafting would be given a strong preference

- The candidate must be exceptional in people management, communication, and presentation skills.

- A proven track record of managing partners and engaging in solution selling would be preferred

- Highly organized and efficient, with the ability to multitask and meet tight deadlines

A strong work ethic and a result-oriented approach

*The CTC range exceeds to what is shown in the job description*

ROLE AND RESPONSIBILITIES

The primary job of the incumbent is to detail and document all customer-impacting processes.

He/ She shall also be the domain expert on the credit card management system and be the interface for system enhancements as well as testing the functionalities before the release of those enhancements into production.

●      Document all customer-impacting processes. Discuss with all stakeholders to lay out the processes for the organisation.

●      Discussion with stakeholders on business enhancements required on Credit Card management system and automation required on satellite systems/ End User computing systems.

●      Business Analysis for enhancements to the Credit Card Management System/ EUC systems.

●      Lead the UAT for Credit Card Management systems/ EUC systems. Define and execute test cases for code and product changes pending implementation.

●      Research transactional data to identify anomalies and facilitate process improvement efforts.

● Manage/ Control the overall process depository.

Qualifications and Education Requirements

SKILLS REQUIRED

●      Deep understanding of the Credit Card life cycle.

●      Deep understanding of Credit Card Management systems (Cardpac, VisionPlus, Any )

●      2/3 years’ experience in a Credit Card Operations/ Service

●      Highly organized with strong communication, problem-solving, documentation, and presentation skills.

●      Bachelor’s degree preferred, but relevant years’ experience considered.

●      Experience with use case development and testing coordination.

Knowledge of process analysis and process efficiencies.

● Proficiency in Microsoft Word and Excel

Role and Responsibilities

1 The primary job of the incumbent is to detail and document all customer impacting processes.

2 He/ She shall also be the domain expert on credit card management system and be the interface for system enhancements as well as testing the functionalities prior to release of those enhancements into production

3  Document all customer impacting processes.

4 Discuss with all stakeholders to lay out the processes for the organisation.

·

5  Discussion with stakeholders on business enhancements required on Credit Card management system and automation required on satellite systems/ End User computing systems.

6·Business Analysis for enhancements to the Credit Card Management System/ EUC systems.

'

7 Lead the UAT for Credit Card Management systems/ EUC systems.

8 Define and execute test cases for code and product changes pending implementation.

·

9 Research transactional data to identify anomalies and facilitate process improvement efforts.

· 

10 Manage/ Control the overall process depository.

Qualifications and Education Requirements

 SKILLS required

·       Deep understanding of the Credit Card life cycle.

·       Deep understanding of Credit Card Management systems (Cardpac, VisionPlus, Any )

·       2/3 years’ experience in a Credit Card Operations/ Service

·       Highly organized with strong communication, problem-solving, documentation, and presentation skills.

·       Bachelor’s degree preferred, but relevant years’ experience considered.

·       Experience with use case development and testing coordination.

·       Knowledge of process analysis and process efficiencies.

·       Proficiency in Microsoft Word and Excel.

JOB Description

A London based foreign bank has a requirement of shifting its credit MIS to back office and thus has an immediate opportunity for a contract role for the MIS function.

Job Responsibilities:

You will be required to prepare MIS based upon existing standard operating procedures (SOP).

The candidate should have good knowledge of Microsoft Office Suite (Excel, Word) comprising of H/V Lookup, Data Flow Charts & Graphs, Pivot Table.

Candidate having knowledge of the following will be preferred

1. Fair understanding of credit functions

2. IFRS 9 application – ECL, stage 1/2/3

3. Banking products related to loans and advances TL, OD etc

4. NPA – days past due, standard, sub standard

5. LTV- LTC , GDV

6. Property type – Residential, Commercial, W/H, Industrial

7. ROI – Libor, fixed, floating

What you need to have:

• Credit policy formulation, amendment and clarifications to front end team for secured Loans.
• Regular Portfolio monitoring and bringing up the recommendations based on insights for necessary changes.
• Robust knowledge of end-to-end process and LOS is must. Experience in digitization and automation of credit and allied processes.
• To manage the MIS function such that quality of portfolio is ensured.
• Rationalizing and simplifying processes and policies, in line with business requirements.
• Credit Administration of credit processes, create hind sighting strategy supervises the outcomes.  

Competencies -

• Have strong business understanding of the retail lending business in India and understanding of the regulatory landscape
• Strong experience in establishing and managing high-performing teams with a collaborative leadership approach.
• Outstanding communication skills, both verbal and written

The Data Entry/Loan Support Specialist is responsible for reviewing Mortgage loan documents to analyze and correct any discrepancies/errors and enter the data into the system. This position requires the LSS to possess high attention to detail as this position involves responsibility for the accuracy of documentation critical to the loan Originations process.

Responsibilities

• Accurately and efficiently process data by reviewing mortgage loan documents and entering data into the system / Indexing of mortgage documents into appropriate document categories / Follow directions, procedures

Requirements (Qualifications and Skills):

• High school diploma required. Bachelor's degree preferred
• 2 - 3 years of reviewing and analyzing US Residential Mortgage documents
• Knowledge of mortgage industry documents
• Ability to work in a fast-paced, team-oriented work environment
• Ability to multi-task
• Strong technical and computer skills
• Acute attention to detail
• Excellent organizational and time management skills

Salary and Benefits

• Medical insurance
• Transportation provided

Work in an exciting and challenging role at a leading credit rating company that is leveraging software and technology tools to change the face of credit rating in India!

Our client with nearly two decades of presence has established itself as the second-largest credit rating agency in India. They provide ratings in the financial sector, infrastructure sector, corporates, public finance, and MSME spaces. The company is headquartered in Mumbai and has regional offices at Ahmedabad, Bengaluru, Chandigarh, Chennai, Coimbatore, Hyderabad, Jaipur, Kolkata, New Delhi, Pune and Mauritius.

Our client also carries out grading of IPOs, assesses financial strength of shipyards, grades various courses of Educational institutions and provides grading services to Energy service companies. They are nurturing global opportunities and have made forays in different forms with 4 partners from Brazil, Portugal, Malaysia and South Africa.

As the Senior Manager (Ratings - BFSI), you will maintaining cases and assignments undertaken by group head in the year, managing Sector reports / criteria commentary publishing

What you will do:

• Ensuring Execution of projects
• Providing inputs and commitments towards strategic/ quality decision making
• Facilitating Development & improvement of methodology for sectors
• Minimising Sharp Rating Migration Cases/Rating Quality
• Ensuring quality and readability of rating report as well as rationale, press releases etc.
• Handling Complex situations
• Ensuring timely completion of rating assignments.
• Keeping track of changes in the respective sectors & and bringing important facts to managements notice.
• Presenting the case in the Rating Committee Meeting
• Maintaining MIS, quarterly results/ no default statement, rating reckoner etc.
• Leading & guiding the team of analysts working in the team.
• Monitoring and measuring productivity of team members
• Modelling the leadership behaviors and coaching and mentoring junior staff

What you need to have: