Credit Risk Associate, Thane-Mumbai in Thana, भारत

CRA Associate

Location: Thane / Mumbai

Experience: 2–5 Years

Employment Type: Full-time

Department: Credit & Risk Assessment (CRA)

Reporting To: CRA / Risk Manager

Role Overview

We are looking for a CRA Associate to handle first-level credit and risk screening, KYC/document verification, data validation, case preparation and coordination with internal teams.

Roles & Responsibilities

• Conduct first-level screening of customer applications as per CRA eligibility criteria.
  

• Verify KYC, GST, business registration, financial and other supporting documents.
  

• Validate customer/business information against documents and system records.
  

• Identify missing, expired, mismatched or inconsistent information.
  

• Review bank statements, ITRs and CIBIL/credit bureau reports.
  

• Verify business entity details including Proprietorship, Partnership, LLP, Pvt. Ltd. and Public Ltd. companies.
  

• Maintain accurate case records and update CRA/CRM/ERP systems.
  

• Coordinate with Sales, Operations and customers for pending documents and clarifications.
  

• Prepare complete cases for further credit/risk assessment.
  

• Escalate exceptions, unusual cases and potential risk indicators to the reporting manager.
  

• Maintain MIS, track pending cases and ensure timely case closure.
  

• Follow CRA checklists, SOPs and defined quality standards.
  

Required Skills

• Knowledge of KYC and basic credit-risk concepts .
  

• Ability to understand business and financial documents.
  

• Good analytical and numerical skills.
  

• Strong attention to detail.
  

• Good MS Excel and system-handling skills.
  

• Strong communication and follow-up skills.
  

• Ability to manage multiple cases and high volumes.
  

Requirements

Qualification

Bachelor's degree in Commerce, Finance, Banking, Business Administration or related field .

Preferred Background

Candidates from Banking, NBFC, Fintech, Credit Operations, KYC/AML, Underwriting, Risk Assessment or Financial Services are preferred.