Job description
Credit Intelligence & Control (CIC) – Job Description 🔹 Core Purpose To monitor, analyze, and control credit risk by ensuring that all lending activities follow internal policies, regulatory guidelines, and fraud prevention mechanisms. 🔹 Key Responsibilities
- Credit Monitoring & Risk Control Track loan portfolios and identify early warning signs (EWS) Monitor overdue accounts, irregular transactions, and suspicious patterns Ensure compliance with internal credit policies
- Fraud Detection & Prevention Identify potential fraud cases in loan applications or disbursements Investigate discrepancies in customer profiles, documents, or transactions Coordinate with fraud risk teams for escalations
- Portfolio Analysis Analyze credit data to assess portfolio health Prepare MIS reports and dashboards for senior management Highlight risk trends and suggest corrective actions
- Process & Policy Compliance Ensure adherence to RBI guidelines and internal SOPs Conduct audits and checks on credit processes Identify gaps and recommend improvements
- Coordination & Stakeholder Management Work closely with credit, sales, operations, and collections teams Support decision-making with data insights Handle escalations and queries related to credit risk