Business Banking Group BBG Credit

Role & responsibilities

1. Underwriting Analytics & Cash Flow Modelling

• Help build and maintain sector-specific cash flow assessment models.
• Develop sensitivity and stress-testing models for underwriting.
• Support credit teams in improving financial assessment methodologies.

2. Portfolio Monitoring & Account Reviews

• Help design account review frameworks for existing borrowers.
• Monitor early warning signals (EWS) provided by risk and portfolio performance indicators.
• Build periodic portfolio surveillance dashboards.
• Identify accounts requiring enhanced monitoring and recommend corrective actions.

3. Credit Policy & Governance

• Support review and rationalisation of credit policies.
• Benchmark internal policies against market practices and regulatory requirements.
• Track deviations, exceptions and policy compliance trends.
• Assist in drafting policy amendments and governance papers.

4. LOS & Process Optimisation

• Work with Business, Product, Risk, Operations and Technology teams to align policy requirements within the Loan Origination System (LOS). Ensure that the LOS system is aligned with policy.
• Help with the day to day system approvals on LOS based on Head Credits email approvals.
• Identify process gaps and recommend system controls.
• Prepare business requirements and participate in UAT testing.
• Drive automation initiatives to improve decision quality and turnaround time.

5. Pipeline Tracking & Management Information Systems

• Build, maintain and review credit pipeline trackers.
• Develop dashboards for sanctions, disbursals, approvals, rejections and TAT monitoring.
• Prepare portfolio and credit performance presentations for senior management and committees.
• Ensure data accuracy and timely reporting.

6. Strategic Projects

• Support rollout of new products and lending programmes. (Current Live Projects include: Working Capital roll out, Agri FPO Financing, Warehouse Receipt Financing, Fintech Lending partnerships, Invoice Discounting etc)
• Conduct portfolio analytics and business segment studies.
• Assist in preparation of board notes, policy papers and committee presentations.
• Undertake special projects as assigned by the Head Credit.

Preferred candidate profile

• Strong analytical and quantitative skills.
• Financial statement analysis capability.
• Advanced Excel and financial modelling skills.
• Strong data interpretation and problem-solving abilities.
• Good presentation and communication skills.
• High attention to detail and ownership mindset.
• Ability to work independently with senior stakeholders.

Technical Skills

• Advanced Microsoft Excel (mandatory).
• Power BI/Tableau (preferred).
• SQL or basic data analytics tools (preferred).
• PowerPoint and management reporting skills.
• Familiarity with lending processes, credit underwriting and risk management is preferred but not mandatory.