Artha Finance | Credit Risk Analyst | vapi

Job Description

Role Overview: The Credit Risk Analyst will evaluate Company/MSME creditworthiness by analyzing financial statements, transaction histories, and alternative data sources. This role involves developing risk assessment models, monitoring credit exposures, and ensuring compliance with regulatory standards.

Key Responsibilities:

• Credit Evaluation: Assess the creditworthiness of Company/MSMEs by analyzing financial statements, credit reports, and other relevant data.
• Risk Assessment Models: Develop and implement models to predict the likelihood of default and assess potential risks associated with lending.
• Monitoring and Reporting: Regularly monitor the financial condition of existing borrowers and prepare reports outlining risk levels and recommendations.
• Regulatory Compliance: Ensure all credit risk activities comply with relevant financial regulations and company policies.

Qualifications:

• Educational Background: Bachelor’s degree in Finance, Economics, Business Administration, or a related field.
• Experience: Prior experience in credit risk analysis, particularly within the MSME sector.
• Analytical Skills: Strong ability to interpret complex financial data and make informed risk assessments.
• Communication Skills: Proficiency in presenting findings and recommendations to stakeholders.

Preferred Qualifications:

• Professional certifications such as CFA or FRM.
• Familiarity with financial regulations and compliance standards.

What We Offer:

• Competitive salary and benefits package.
• Opportunity to work on innovative projects impacting the MSME sector.
• Collaborative and inclusive work environment.
• Professional development opportunities.

Application Process: Interested candidates are invited to submit their resume and a cover letter detailing their relevant experience, answers to the questions given below and explaining why they are a good fit for this role. Please send your application to hr@artha.finance with the subject line “Application for Credit Risk Analyst.”

Questions

Technical Competence:

a. Credit Risk Assessment:

• Can you describe your approach to evaluating the creditworthiness of a Company/MSME?
• Which financial ratios do you prioritize when assessing a borrower’s credit risk, and why?

b. Financial Analysis:

• How do you interpret and analyze financial statements to determine a company’s financial health?
• Can you discuss a time when your financial analysis identified a potential credit risk?

c. Regulatory Knowledge:

• How do you ensure compliance with financial regulations in your credit risk assessments?
• Are you familiar with Basel III regulations and their impact on credit risk management?

d. Risk Modeling:

• What experience do you have with developing or utilizing credit scoring models?
• Can you explain a time when you identified potential fraud in loan applications?

Behavioral Competence:

a.Analytical Thinking:

• Describe a complex credit risk issue you faced and how you resolved it.
• Can you provide an example of a time when you had to explain complex credit risk concepts to non-experts?

b. Decision-Making:

• Can you discuss a time when you had to make a difficult credit decision with limited information?
• How do you handle situations where there are conflicting opinions between different departments regarding a loan application?

c. Communication Skills:

• Describe an instance where you effectively communicated a risk assessment to senior management.
• How do you ensure that your reports are understood by stakeholders without a financial background?

d. Adaptability:

• Can you share an experience where you had to adapt to significant changes in credit risk policies or regulations?
• How do you stay up-to-date on changes in the banking industry that could affect credit risk?

Cultural Fit:

a. Team Collaboration:

• Provide an example of how you’ve worked with cross-functional teams to achieve a common goal.
• How do you handle situations where there are conflicting opinions between different departments regarding a loan application?

b. Continuous Learning:

• What steps do you take to stay informed about industry trends and advancements in credit risk analysis?
• How do you ensure that your credit risk assessment methods remain current and effective?

ArthaFinance is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Note: This job description is intended to provide a general overview of the position and does not encompass all tasks and responsibilities.