Credit Risk & Policy Analyst| Mumbai
Iaamcp Open At a glance
Mid-level Risk & Financial Compliance role at Iaamcp. Mumbai · full-time.
Pay not stated Risk & Financial Compliance salary
financeroles summary, based on the employer's posting.
What you'll do
- Assess financial statements and lending proposals for new, revised or refinanced corporate requests
- Prepare credit reviews within the required turnaround time and recommend approval decisions to senior credit leaders
- Check internal borrower ratings against CRM policy and flag risks in high-value borrower outlooks
- Use portfolio analysis and regulatory or business changes to recommend loan policy updates
- Support credit model accuracy, assess product risks and calculate periodic RAROC
What you bring
- You bring twelve to fourteen years of relevant experience
- You hold a graduate degree; an MBA is preferred
Who this fits
This mid-level Mumbai role suits an experienced credit analyst working across corporate lending, policy and risk assessment. The work includes recommendations to senior credit leaders and inputs to the Product Evaluation Committee.
From the employer
The role is responsible for preparing and issuing credit risk vetting report for large and mid corporate proposals, including project finance/real estate proposals within allowed TAT to enable business and processing team to put up loan proposals for sanction. The role is also responsible for providing key policy inputs and proposing policy changes for the loan policy, in line with evolving regulatory and business requirements
- Analyze financial statements and credit proposals for new, modified, and refinancing requests.
- Validate Internal Credit Risk Ratings in line with CRM policy.
- Prepare risk-vetting reports and submit recommendations to Lead Credit Risk/Head Credit Risk.
- Review rating outlooks of high-value borrowers and highlight key risks in proposals.
- Support enhancement of credit risk models and rating accuracy.
- Stay updated on lending policies and regulatory requirements.
- Develop financial models and spreadsheets for credit assessment.
- Review and revise loan policies using portfolio analysis and evolving business/regulatory needs.
- Assess credit risks in new and existing products and provide inputs to the Product Evaluation Committee.
- Compute periodic RAROC and update the RAROC framework as required.
Experience: 12 to 14 years
Qualifications: Graduate (Any)/MBA preferred
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