Digital Credit Strategist

7 days ago

Tirupati, India beBeeCredit Full time

Job Title: Digital Credit StrategistAs a Digital Credit Strategist, you will be responsible for assessing the creditworthiness of clients across various sectors, including digital, agency, startup, and SME. Your primary goal is to ensure that our company's risk standards are met while maintaining a high-quality credit portfolio.Key Responsibilities:Credit Assessment and EvaluationAnalyse financial statements, balance sheets, cash flow, liabilities, and other relevant metrics to evaluate a client's creditworthiness.Conduct thorough assessments of digital business performance metrics, including CAC, ROAS, ad spend efficiency, recurring revenue health, liquidity ratios, and growth projections.Credit Underwriting and Risk ManagementPrepare and approve credit appraisal notes within assigned limits, ensuring compliance with our company's risk standards and global regulatory expectations.Maintain close monitoring of client utilisation, repayment patterns, operational risks, and covenant adherence to identify potential red flags.Portfolio and Performance MonitoringContinuously track and maintain a high-quality credit portfolio through corrective actions, identifying trends in customer behaviour, digital revenue fluctuations, or advertising ROI that may impact risk exposure.Provide valuable insights to leadership to improve portfolio strength and resilience.Cross-Functional CollaborationWork closely with Relationship Managers, Financial Operations, Legal, Collections, and Account Managers to ensure seamless communication and coordination.Provide financial clarity to teams working with high-budget advertising clients to ensure effective collaboration.Regulatory and Process ComplianceMaintain strict adherence to internal credit frameworks, global compliance standards, and due diligence procedures to ensure audit-readiness across all credit operations.Ensure accurate documentation, risk files, and financial reports are up to date.Market and Digital Ecosystem TrackingStay updated on industry trends, digital business cycles, advertising cost changes (CPC/CPM), and market shifts impacting client creditworthiness to bring valuable insights to leadership.Refine risk models for digital-first companies by leveraging your expertise and knowledge.Requirements:3+ years of experience in Credit Management / Credit Underwriting / Financial Risk Analysis.Proven experience running or analysing high-budget Google Ads & Meta Ads campaigns (USD 20,000+ monthly preferred).Strong understanding of digital business models: subscription, e-commerce, performance marketing, and agency operations.Ability to interpret complex financial data, including CAC, ROAS, retention curves, LTV, blended ad spend, and cash flow cycles.Advanced analytical skills with the ability to read balance sheets, cash-flow statements, revenue breakdowns, and digital metrics.Excellent English communication — both written and verbal.Strong understanding of global risk guidelines and due-diligence practices.Ability to work independently, remotely, and adapt to multiple time zones.Preferred Qualifications:Experience in fintech, HR tech, digital advertising, or e-commerce finance.Exposure to underwriting global clients.Ability to identify fraud signals, credit anomalies, and unusual spend patterns.High competency with financial software, spreadsheets, dashboards, and analytics tools (GA4, Ads Manager reporting, Looker, etc.).

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