Credit Analyst

14 hours ago

Delhi, India Walkfin Full time
Job Description:We are looking for detail-oriented and analytical Credit Analyst to join our Credit team. The candidate will be responsible for assessing creditworthiness, credit analysis, preparing CAMs, managing credit risk, and ensuring the financial stability of our customers (NBFC). This role involves evaluating credit applications, monitoring existing credit accounts, and collaborating with internal teams to support informed credit decisions.Our ideal candidate has a solid understanding of lending procedures, excellent problem-solving skills, and a professional attitude towards managing credit issues.Responsibilities:Credit Evaluation : Analyze credit applications and financial statements to assess credit risk and determine appropriate credit limits and terms.

Risk Assessment : Conduct thorough credit risk assessments using quantitative and qualitative methods. Monitor and review credit risk exposure for wholesale accounts.

Data Analysis : Utilize financial data, market trends, and credit scoring models to evaluate the financial health of wholesale customers.

Reporting : Prepare detailed credit reports and summaries for senior management, highlighting potential risks and recommending action plans.

Customer Interaction : Communicate with customers to gather necessary financial information, address credit concerns, and negotiate terms and conditions.

Credit Policy Adherence : Ensure compliance with company credit policies and procedures. Recommend updates or improvements to credit policies as needed.

Collection Support:

Collaborate with the collections team to manage overdue accounts and resolve any credit-related issues.

Market Research:

Stay informed about industry trends, economic conditions, and competitor activities to anticipate potential credit risks.Presentation : Preparing and presenting reports on credit related activities to upper managementQualifications:Proven work experience as a Credit analyst or similar roleKnowledge of credit-related laws and regulationsExperience performing credit reviews and risk assessmentProficiency with databases and software for processing credit applicationsStrong analytical and negotiation skillsExcellent organizational and leadership skillsGraduate and above, Bachelor degree in Business Administration, Finance or relevant field will be preferred.Good understanding of accounting standards, balance sheet analysis,

Additional InformationJob Title:

Credit AnalystWork Environment:

Office setting. Some travel may be required for client meetings.Reporting Structure:

As per management decisionSalary:

Salary is based upon candidate experience and qualifications, as well as market and business considerations.Pay Range:

up to 5 Lakh PAEqual Opportunity Statement:

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, gender, age, marital status, veteran status etc..Application Instructions:

Please submit your resume and a cover letter outlining your qualifications and experience to (

or application portal ).

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