Banking Operations Sr Associate
NTT DATA India
Description
Review SME credit applications and assess borrower creditworthiness using financial statements, cash‑flow analysis, and collateral evaluation.
Analyze loan account performance to identify repayment behavior patterns, exposure trends, and potential early warning indicators.
Verify adherence to approved loan terms, repayment schedules, covenants, and internal policy guidelines.
Prepare clear, structured credit review notes and working papers consistent with established Standard Operating Procedures.
Support periodic portfolio reviews to identify risk concentration, emerging risks, and quality trends across the credit book.
Assist Relationship Managers and onshore teams by providing analytical insights using internal rating models and risk‑scoring tools.
Ensure full compliance with operational, administrative, and regulatory requirements while maintaining updated knowledge of processes.
Participate in training sessions, team discussions, and customer/partner calls as required by business needs.
About NTT DATA India
NTT DATA India is a subsidiary of NTT DATA Corporation, a leading global IT services provider headquartered in Tokyo, Japan. Established in India in 2004, NTT DATA India offers a wide range of services, including consulting, application development, business process outsourcing, and IT infrastructure services. The company serves clients across various industries such as banking, healthcare, manufacturing, and public sector. With a strong focus on innovation and digital transformation, NTT DATA India leverages emerging technologies like artificial intelligence, cloud computing, and cybersecurity to deliver value-driven solutions. As of 2023, NTT DATA India employs approximately 40,000 professionals, making it the company's second-largest employee hub outside Japan. The company has a significant presence in major Indian cities, including Bengaluru, Chennai, Hyderabad, Mumbai, Pune, and New Delhi.