South Indian Bank Recruitment 2026 – Job Description

1. Credit Analyst – Job Description

The Credit Analyst will be responsible for evaluating credit proposals and managing the complete credit lifecycle for the Bank.

Key Responsibilities:

• Prepare credit proposals for existing and new borrowers.

• Conduct detailed analysis of financial statements and income statements.

• Apply defined credit underwriting norms of the Bank.

• Build strong market understanding to assess geographical and product risks.

• Engage with internal and external customers for effective risk appraisal.

• Onboard quality business for the Bank within defined timelines.

• Manage post-sanction processes to facilitate timely disbursement of loans.

• Monitor loan portfolio after disbursement.

• Ensure portfolio performance remains within the Bank’s risk tolerance levels.

2. Technical Manager / Regional Technical Manager – Job Description

The Technical Manager plays a crucial role in evaluating properties and technical risks associated with loan proposals.

Key Responsibilities:

• Recruit and manage external vendors for technical evaluation of properties.

• Develop technical expertise to assess various types of properties secured against loans.

• Approve projects after detailed evaluation of documents.

• Conduct site visits and regulatory inspections.

• Monitor the entire technical evaluation process.

• Suggest improvements in technical processes and implement them effectively.

• Ensure strict adherence to evaluation timelines.

• Train and evaluate team members regularly.

• Provide cross-functional training.

• Work closely with the legal department for technical verification.

• Handle fraud cases on the technical front including identification, reporting and closure.

• Gather market intelligence on builders and different geographical locations.

3. Lead Analyst – Risk Control Unit (RCU) – Job Description

The Lead Analyst focuses on fraud risk management and control across banking operations.

Key Responsibilities:

• Build teams and channels for assessment of fraud risk.

• Facilitate fraud detection across documentation and markets.

• Develop internal capabilities to identify schematic fraud across geographies.

• Engage with regulatory authorities to control and minimize fraud impact.

• Participate in industry fraud management forums.

• Perform deep data analysis of transaction patterns and customer behavior in real time.

• Provide continuous staff training on emerging trends in fraud management.

Additional Responsibility

The incumbent may be assigned any other duties by the Bank as per organizational requirements from time to time.