<p><strong>What role you will play in team:</strong>  You will be a part of a team dedicated to assessing and managing credit risks related to lending to Small and Medium Enterprises (SMEs).</p><p><strong>What you will do:</strong> You will independently analyze financial statements of SME borrowers, assessing their creditworthiness and recommending lending limits.</p><p><strong>Key responsibility:</strong><ul><li>Analyze financial statements, business plans, and other relevant information to assess the creditworthiness of SME borrowers.</li><li>Conduct site visits to evaluate the financial health and operations of SMEs.</li><li>Develop and maintain credit scoring models and systems for SME lending.</li><li>Prepare credit reports and recommendations for senior management.</li><li>Monitor the credit performance of SME borrowers and take corrective actions as needed.</li><li>Ensure compliance with regulatory guidelines and bank policies.</li></ul></p><p><strong>Required Qualification and Skills:</strong><ul><li>Bachelor's degree in Commerce, Finance, or a related field.</li><li>2-4 years of experience in credit risk management, preferably in SME lending.</li><li>Strong understanding of SME finance and business operations.</li><li>Excellent analytical, communication, and report writing skills.</li><li>Proficiency in Microsoft Office Suite.</li><li>Knowledge of credit risk management methodologies.</li></ul></p><p><strong>Benefits Included:</strong><ul><li>Competitive salary and benefits.</li><li>Comprehensive health insurance.</li><li>Opportunities for career growth and development within the bank.</li><li>Performance-based incentives and bonuses.</li><li>Paid leaves, provident fund.</li></ul></p><p><strong>A Day in the Life:</strong>  A typical day would involve analyzing SME financial data, conducting site visits, preparing credit reports, and collaborating with other teams to manage the credit risk portfolio.</p>