Credit Analyst

7 hours ago

Gurgaon, Haryana, India Fia Technology Services Full time ₹ 9,00,000 - ₹ 12,00,000 per year

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 / Male candidates

Perks and benefits

Mobile reimbursement

Insurance

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