Credit Operations Analyst

2 weeks ago

Bengaluru, Karnataka, India Bluevine Full time ₹ 5,00,000 - ₹ 10,00,000 per year

About Bluevine
Bluevine is transforming small business banking with innovative solutions like checking, lending, and credit—all tailored to help entrepreneurs thrive. With best-in-class technology, advanced security, and a deep understanding of the small business community, we're empowering entrepreneurs to grow with confidence.

Backed by leading investors like Lightspeed Venture Partners, Menlo Ventures, 83North, and Citi Ventures, we've been supporting SMBs since 2013, serving over 750,000 customers nationwide and growing a dynamic global team of 500 people. Our mission? To fuel small businesses with the financial tools they need to succeed.

At Bluevine, you'll be part of a collaborative, fast-paced team that's reshaping the future of banking. Ready to make an impact?

This is a hybrid role
*.*
At Bluevine, we pride ourselves on our collaborative culture, which we believe is best maintained through in-person interactions and a vibrant office environment. All of our offices have reopened in accordance with local guidelines, and are following a hybrid model. In-office days will be determined by location and discipline.

ABOUT THE ROLE:
As an Associate Credit Analyst at Bluevine you'll be responsible for gathering and analyzing data to verify the creditworthiness of the borrower. Associate Credit Analysts at Bluevine should be able to multi-task and deliver accurate results within established service level timeframes. Associate Credit analysts will work alongside the Credit Analysis Manager, underwriting team and are exposed to all aspects of FinTech operations in a high-growth startup environment.

WHAT YOU'LL DO:

  • Review loan applications to verify credit qualification criteria and financial data assessment.
  • Support the Credit Operations Manager by answering questions, providing feedback, and investigating escalated issues.
  • Analyze bank data, public data, and conduct KYC, and KYB on all applicants.
  • Identify gaps in automation and process improvements in the borrower application process.
  • Assist the Loan Servicing department in the maintenance of loan files and closing requirements.
  • Work on routine assignments and ad-hoc projects that require limited judgment.

WHAT WE LOOK FOR:

  • 1 year of experience as credit analyst, consumer/business lending, personal banking, or similar.
  • Bachelor's degree in Business Administration, Finance, Economics, Accounting
  • Problem-solving skills.
  • Passion for delivering a great customer experience.
  • Impeccable judgment and acute attention to detail.
  • Excellent communication skills (oral & written).
  • Track record of high-performance.

EXPERIENCE DESIRED:

  • Familiarity with underwriting loans, financial statements and tax documents is a plus.
  • Banking or Fintech experience is a plus.

Benefits & Perks

  • Excellent group health coverage and life insurance
  • Stock options
  • Hybrid work model
  • Meal allowance
  • Transportation assistance (terms and conditions apply)
  • Generous paid time off plan, Holidays
  • Company-sponsored mental health benefits
  • Financial advisory services for both short- and long-term goals
  • Learning and development opportunities to support career growth
  • Community-based volunteering opportunities

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