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 highlevel 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 indepth 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 problemsolving 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

Remote Work :

No