Credit Risk Officer

• Assess, analyze, and validate loan applications across multiple credit products, including SME/Business Loans, Asset-Backed Loans (vehicles, equipment, etc.), LPO Financing, Invoice discounting, CNG Engine Conversion Financing, and Solar Energy Financing.
• Conduct comprehensive financial analysis, including cash flow assessment, bank statement review, credit history evaluation, and business viability studies.
• Evaluate collateral documentation, asset valuation reports, and ensure proper risk mitigation measures are in place.
• Prepare detailed and well-structured credit appraisal reports with recommendations.
• Ensure lending decisions comply with internal credit policies, regulatory guidelines, and risk management frameworks.
• Monitor approved facilities to promptly identify early warning signals and recommend risk mitigation actions.
• Work closely with the Credit, Legal, Recovery, and Business Development teams to ensure end-to-end credit quality.
• Support portfolio performance tracking and contribute to the continuous improvement of credit risk processes.

Requirements:

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• Minimum of 3–5 years’ experience in Credit Risk, Credit Analysis, or Lending Operations within a Microfinance Bank, Commercial Bank, or Finance/Leasing Institution.
• Strong financial analysis, modelling, and credit appraisal skills.
• Good knowledge of SME financing, asset-backed lending, and working capital finance.