Credit Analyst - Operations and Support

About the Position

Credit Analyst - Operations and Support

We are seeking a dedicated Credit Analyst to join our team in India. This role involves managing credit applications, ensuring compliance with bank policies, and developing risk mitigation strategies.

Responsibilities

• Timely review of credit applications and providing feedback in line with bank policies and procedures.
• Ensuring loans are originated in compliance with established policies and procedures.
• Assisting in developing and monitoring risk mitigation strategies for critical risk areas.
• Evaluating and monitoring the credit management process to identify risk-related issues needing escalation to management.
• Ensuring that the Bank's credit exposures are within set risk-bearing limits.
• Preparing periodic underwriting risk assessment reports.
• Making recommendations about procedural/policy changes to the Head of Risk.
• Keeping up-to-date information on key credit issues (e.g., legal, market risk, and compliance issues).
• Assisting in enhancing the quality of credit applications.
• Ensuring regulatory compliance.
• Maintaining working knowledge of relevant legislation, statutory instruments, codes of practice, and organization policies, and ensuring adherence.

Requirements

• 2 years of relevant experience, preferably at a high-growth tech startup in the financial services space.
• Good credit sector understanding.
• Ability to analyze financial data.
• Ability to read large volumes of documents effectively and extract necessary information.
• In-depth understanding of risk mitigation strategies (credit decision level).
• Strong oral communication, analytical, and report writing skills.
• Ability to effectively manage multiple priorities.
• Sense of teamwork, cooperative, and adaptable to change.
• Ability to work under pressure and problem-solving abilities.
• Excellent Excel skills.
• Bachelor’s Degree.
• Willingness to work nights and weekends on a rotating shift basis.

Nice to Have

• Previous startup experience.
• Knowledge of the credit card or consumer finance industry in fintech.

Apply Now

Interested candidates are encouraged to apply now.