Finance Executive

3 weeks ago


india Rentickle Full time
Rentickle is a leading furniture rental service provider, offering customers high-quality furniture and home appliances on flexible rental plans. We aim to make urban living more convenient and affordable by providing hassle-free, customizable rental solutions. As we expand, we are looking to strengthen our credit risk management team to ensure the sustainability of our business model and provide an excellent customer experience.Job Summary:

We are looking for a

Credit Risk Analyst

to join our Risk Management team. The primary responsibility of this role is to assess, monitor, and mitigate credit risk while ensuring Rentickle’s business growth. You will evaluate the creditworthiness of potential customers, analyze financial data, and implement strategies to minimize defaults and enhance overall credit risk management.Key Responsibilities:

Credit Risk Assessment:

Conduct thorough analysis of credit applications and determine creditworthiness based on financial statements, credit scores, and other relevant data.Risk Monitoring:

Continuously monitor the credit exposure of existing customers, identifying trends and taking proactive actions to minimize potential defaults.Credit Policy Development:

Help develop and refine credit policies and procedures to ensure consistency and effectiveness in managing credit risk.Data Analysis & Reporting:

Prepare and present risk reports, highlighting key insights, trends, and areas of concern for senior management.Collaboration with Sales & Operations:

Work closely with the sales and operations teams to ensure that credit policies align with business objectives, customer acquisition strategies, and service delivery.Collections Strategy:

Work alongside the collections team to identify at-risk customers and implement strategies to recover outstanding dues.Compliance & Regulatory Adherence:

Ensure compliance with all regulatory requirements, internal policies, and industry standards in credit risk management practices.Customer Segmentation:

Utilize customer segmentation techniques to identify high-risk segments and recommend tailored strategies for managing credit risk.Qualifications:

Bachelor’s degree in Finance, Accounting, Economics, or a related field.Strong understanding of financial analysis, credit scoring models, and risk management techniques.Proficiency in MS Excel and data analysis tools.Familiarity with credit reporting agencies and financial regulations.Excellent analytical, problem-solving, and decision-making skills.Strong communication skills, both written and verbal, with the ability to explain complex financial concepts to non-financial stakeholders.



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