Analyst, Credit Analyst - Maker, Small Medium Enterprises.

Job Purpose:

Credit Analyst - Maker plays a crucial role in ensuring the smooth and efficient login of Small and Medium-sized Enterprises (SMEs) onto our SFW platform. This involves processing SME login requests, meticulously conducting assessments and hygiene checks, and adherence to established product and policy guidelines. The role requires a high level of accuracy, attention to detail, and a strong understanding of credit risk assessment principles.

Key Accountabilities:

• TAT Adherence: Meet defined Turn Around Time (TAT) targets for application to Approval of logins.
• Credit Assessment: Conduct thorough credit assessments of SMEs based on provided information and internal guidelines, identifying potential risks.
• Hygiene Checks: Perform comprehensive hygiene checks on all SME applications, ensuring compliance with regulatory requirements, internal policies, and product specifications. This includes reviewing KYC/AML documentation and other relevant compliance materials.
• Data Management: Maintain accurate and up-to-date records of all processed applications, ensuring data integrity and consistency.
• Policy Adherence: Strictly adhere to established credit policies, procedures, and regulatory requirements throughout the entire application processing workflow.
• Communication: Effectively communicate with internal teams and stakeholders regarding application status and any identified issues.
• Problem Solving: Identify and resolve any discrepancies or issues encountered during the application processing workflow, escalating complex issues to the appropriate personnel as needed.
• Continuous Improvement: Contribute to the continuous improvement of processes and procedures by identifying opportunities for efficiency gains and risk mitigation.

Job Duties & responsibilities 

• SME login: Process and verify SME login requests, ensuring all necessary documentation is complete and accurate. This includes data entry, verification of identity and business registration details.
• TAT Adherence: Meet defined Turn Around Time (TAT) targets for application to Approval of logins.
• Credit Assessment: Conduct thorough credit assessments of SMEs based on provided information and internal guidelines, identifying potential risks.
• Hygiene Checks: Perform comprehensive hygiene checks on all SME applications, ensuring compliance with regulatory requirements, internal policies, and product specifications. This includes reviewing KYC/AML documentation and other relevant compliance materials.
• Data Management: Maintain accurate and up-to-date records of all processed applications, ensuring data integrity and consistency.
• Policy Adherence: Strictly adhere to established credit policies, procedures, and regulatory requirements throughout the entire application processing workflow.
• Communication: Effectively communicate with internal teams and stakeholders regarding application status and any identified issues.
• Problem Solving: Identify and resolve any discrepancies or issues encountered during the application processing workflow, escalating complex issues to the appropriate personnel as needed.
• Continuous Improvement: Contribute to the continuous improvement of processes and procedures by identifying opportunities for efficiency gains and risk mitigation.
• Other duties as assigned.

Requirements

• 3 to 7 years’ experience in SME lending
• Hands-on experience in loan application processing, Credit underwriting or assessment
• Experience of KYC / AML and compliance checks
• Experience working with banking or financial services institutions preferred
• Strong understanding of credit risk assessment principles and SME financial analysis
• Experience with SME lending platforms systems and credit processing workflow
• Knowledege of KYC/AML compliance and banking regulations and internal credit policies.
• Proficiency in Microsoft Excel ( data tracking, MIS, analysis) and Microsoft office tools.

Education / Preferred Qualifications

• Master’s degree in finance, Accounting, or a related field

Core Competencies 

• Proven experience in a credit analysis or similar role, preferably within the SME sector.
• Strong understanding of credit risk assessment principles and methodologies.
• Excellent attention to detail and accuracy.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal skills.
• Ability to work independently and as part of a team.
• Knowledge of relevant regulations and compliance requirements.

Technical Competencies 

• Experience with SME lending platforms or systems.
• Proficiency in Microsoft Office Suite, particularly Excel.

Work Relationship 

• A collaborative relationship focused on achieving team goals and maintaining quality standards.

DBS India - Culture & Behaviors

• As per PRIDE values of DBS

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