Credit Analyst (Female Employee, Only Immediate Joiner )

Role & responsibilities

Job Description:

We are seeking a detail-oriented and analytical Credit Analyst to join our dynamic team at [FIA Technology] . As a Credit Analyst, you will play a critical role in assessing the creditworthiness of potential borrowers, managing risk, and optimizing our lending portfolio.

Responsibilities:

- Conduct thorough financial analysis of loan applications to assess credit risk and determine creditworthiness.

- Utilize advanced credit scoring models and analytical tools to evaluate borrower profiles.

- Review and analyze financial statements, credit reports, tax returns, and other relevant documents to make informed lending decisions.

- Collaborate with cross-functional teams to develop and implement credit policies and procedures that comply with regulatory requirements.

- Monitor existing loan portfolios to identify potential risks and recommend appropriate actions to mitigate losses.

- Conduct industry research and stay updated on market trends to inform credit decision-making processes.

- Provide recommendations for loan structuring, pricing, and risk mitigation strategies.

- Communicate effectively with internal stakeholders and external partners to ensure alignment on credit-related matters.

**Requirements:**

- Bachelor's degree in Finance, Accounting, Economics, or related field. Master's degree or professional certification (e.g., CFA, FRM) is a plus.

- Proven experience as a Credit Analyst in a fintech company, bank, or financial institution.

- Strong analytical skills with proficiency in financial statement analysis and credit risk assessment.

- Experience working with credit scoring models and underwriting software.

Knowledge of regulatory requirements and best practices in credit risk management.

- Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams.

- Detail-oriented and ability to thrive in a fast-paced, dynamic environment.

Preferred candidate profile

Only Immediate Joiner

Perks and benefits

Mobile reimbursement

Insurance