Job Description

Key Responsibilities of the role:

1. Utilize quantitative models and risk assessment tools to assign risk scores to applicants and their proposed loans.

2. Identify trends and patterns in loan performance data to make informed decisions regarding risk management strategies.

3. Analyze financial statements, credit reports, income documentation, and other relevant information to assess the applicant\'s financial stability and risk level.

4. Identify potential red flags and discrepancies in loan applications that require further investigation.

5. Collect, organize, and analyze data related to loan portfolios, delinquency rates, default rates, and other relevant metrics.

6. Generate comprehensive reports summarizing the risk exposure of the lending institution, highlighting potential areas of concern and opportunities for improvement.

7. Ensure that loan decisions adhere to the institution\'s established credit policies, guidelines, and regulatory requirements.

8. Collaborate with legal and compliance teams to stay updated on relevant laws and regulations impacting lending practices.

9. Participate in the development and refinement of credit policies based on changing market conditions and risk profiles.

Preferred Candidate profile Experience(Must-have) :

1. 3+ Years of experience in unsecured lending risk handling

2. Good understanding of tools like SQL, Excel

3. Basic coding understanding using Python

Experience(Good to have):

- Education Background(if relevant) B.Tech or Masters in Mathematics ot Statistics

- Key Competencies Portfolio risk management, DBMS, Excel, Python

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