Credit Risk Analyst
Northern Arc Capital · Chennai · onsite · Posted 33d ago
About a minute. You'll make an account on the way through.
About this role
Responsibilities:
- Measure and monitor exposures across various lending and investment portfolios.
- Ensure appropriate treatment of undrawn commitments, credit enhancements, guarantees, co-lending exposures, securitization exposures, and other relevant off-balance-sheet items, as applicable.
- Reconcile exposure figures with Finance, Operations, and other source systems.
- Identify and escalate early-warning levels and potential breaches on a timely basis.
- Develop, maintain, and periodically enhance exposure measurement models, calculation engines, and analytical tools.
- Translate approved risk policies and exposure definitions into practical calculation methodologies.
- Implement appropriate exposure allocation methodologies and models.
- Prepare and circulate weekly exposure reports.
- Perform pre-clearance checks for new or incremental exposures before approval/disbursement.
Requirements:
- PG in finance and economics.
- An MBA or CA would be an advantage.
- Advanced MS Excel, strong analytical and numerical skills, and a good understanding of credit and lending concepts.
- SQL, Power BI, and Python would be added advantages.
- 2-4 years of experience in a bank, NBFC, rating agency, consulting firm, or risk analytics environment.
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About Northern Arc Capital
Northern Arc Capital
NBFC
1.1k+
employees
2009
17 years old
Chennai, Tamil Nadu
India
About
Every institution has a starting point. For Northern Arc Capital, that journey began in 1989 in Madras (now Chennai) as Highland Leasing & Finance Private Limited.
Over the years, the company underwent a significant transformation. Following its acquisition by IFMR Trust in 2008, it became IFMR Capital Finance Private Limited. In 2018, as part of a strategic rebranding, it was renamed Northern Arc Capital Limited reflecting its evolution into a forward-looking financial services platform.
Northern Arc Capital is a diversified financial services platform dedicated to meeting the credit needs of underserved households and businesses across India. Operating at the intersection of lending, investments, and technology, the company has built a model designed to enable efficient and scalable credit delivery.
This model is anchored in a dual-channel approach:
- Direct-to-Customer (D2C) lending across core sectors such as MSMEs, consumer finance, and rural finance
- Credit Solutions for Originator Partners, including fund management, structured debt placements, intermediate retail lending, and SaaS offerings
Together, these channels enable Northern Arc to address critical credit gaps with a focus on inclusion, scale, and sustainability.
The impact of this approach is reflected in the company’s reach and ecosystem.
Since 2009, Northern Arc has facilitated over INR 2.2 trillion in financing, reaching more than 130 million lives across 28 states, 7 union territories, and 680 districts.
Its wide distribution network includes 360+ branches, 50+ digital and retail lending partners, 350 originator partners, and 1,300+ investors, making Northern Arc one of the most extensive players in India’s retail credit ecosystem.
Over time, the company has strengthened its capital base and investor participation. Alongside other marquee investors, institutions such as IFC have contributed to its growth journey.
FY 2024–25 marked a landmark year in Northern Arc’s journey. The company successfully completed its Initial Public Offering in September 2024, raising INR 777 crore (including INR 500 crore of primary capital). These milestones further strengthen its capital base and position the company for the next phase of growth.
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