Support Officer - HR (FOIR & Financial Analysis)

Qualification: B.Com (Mandatory)

Role Purpose

The Support Officer - HR will be responsible for conducting FOIR (Fixed Obligation to Income Ratio) analysis for new and existing employees by reviewing their financial and credit profiles. The role requires strong understanding of CIBIL reports, loan obligations, and financial liabilities to assess financial risk and provide recommendations.

Key Responsibilities

• Analyze CIBIL reports and identify:
• Active and closed loans
• DPD (Days Past Due)
• Overdue amounts
• Written-off or settled accounts
• Credit card utilization and liabilities
• Calculate and prepare FOIR reports.
• Assess candidates' financial health and credit behavior.
• Recommend solutions to reduce FOIR below 55%.
• Share analysis reports and observations with business stakeholders.
• Maintain accuracy and confidentiality of financial data.

Required Skills & Knowledge

• Strong understanding of Balance Sheet and financial concepts.
• Knowledge of Financial Delinquency and Credit Bureau reports.
• Ability to read and interpret CIBIL reports.
• Good understanding of FOIR calculation and debt obligations.
• Proficiency in MS Excel and reporting.

Preferred Experience

• 0-1 years experience in Banking, NBFC, Credit Analysis, Risk Assessment, or Financial Verification.

Ideal Candidate:
A Commerce graduate with good financial acumen who can independently analyze CIBIL reports, assess liabilities, calculate FOIR, and provide practical recommendations for reducing FOIR below organizational limits.