Credit Review Consultant – Sr

The Credit Review Senior Consultant will work within the Credit Review team, serving as a third line of defense. The team independently verifies and validates credit underwriting and lending processes, ensuring accuracy and compliance with internal and external standards. The role requires a deep understanding of the credit lifecycle, including acquisition, customer management, and collections, as well as a high-level comprehension of P&L and risk concepts.

Key Responsibilities:

• Credit Underwriting and Lending Review:
• Independently review and validate credit underwriting and lending practices.
• Ensure compliance with internal policies and regulatory standards.
• Collaborate with the first and second lines of defense to gather necessary information and validate methodologies.
• Quarterly Reviews and Monitoring:
• Conduct ongoing quarterly reviews of credit portfolios and risk assessments.
• Monitor credit risk metrics and report findings to senior management.
• Identify areas for improvement and recommend corrective actions.
• Internal Audit (IA) Examinations:
• Assist in responding to IA examinations conducted by regulators and external auditors
• Collect, analyze, and summarize data to support audit responses.
• Prepare documentation, including data reports, presentations, and summaries, for audit purposes.

Desired Skills, Experience and Qualifications:

• Experience:
• 6+ years of relevant experience in Analytics and Data Science with an in-depth exposure in Banking domain
• Strong analytical skills with proficiency in application of statistical analysis
• Proven experience in credit underwriting, lending, and risk management.
• Familiarity with the entire credit lifecycle, including acquisition, customer management, and collections.
• Experience in internal audit, credit reviews, or similar roles, particularly in financial institutions or consulting firms
• Technical Skills:
• Proficiency in SQL, Python, PySpark, and Snowflake SQL.
• Experience with Databricks for running Python notebooks and data analysis.
• Strong analytical and problem-solving skills.

Preferred Qualifications:

• Experience in conducting independent reviews and audits.
• Understanding of internal audit methodologies and regulatory requirements.
• Experience working with risk management frameworks and tools.

Key Competencies:

• Strong attention to detail and accuracy.
• Excellent communication and interpersonal skills.
• Ability to work independently and as part of a team.
• Proactive in identifying risks and proposing solutions.
• Capable of managing multiple tasks and priorities effectively.

Location: Bangalore

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