Credit Operations Analyst

Company Name
: Mxon Technologies Pvt Ltd

Industry
: Fintech

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Company Overview
:

Mxon Technologies is a fintech platform dedicated to catalyzing the success of Medium and small enterprises (MSME) by offering accessible credit solutions. Our products, Supply ChainFinance (SCF), and Working Capital Term Loans are designed to simplify the borrowing process for Medium and small enterprises (MSME). With a commitment to ease and efficiency, we leverage advanced technology to ensure a seamless applicaton and approval process. Mxon Technologies stands as a reliable partner, providing transparent and easy to-avail credit options that empower small businesses to navigate financial challenges and thrive in a competitive market.

Job Role: Business Credit Associate(onsite)

Work Location: Bangalore

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Job Summary
:

We are looking for a Fintech Credit Associate with 1-2 years experience. As a Business Credit

Associate you will be responsible for:

overseeing a company's credit policies and managing the credit extended to customers

Candidates with prior experience in Fintech or NBFC industry is mandatory.

Join in our exciting journey to revolutionize the B2B Payment and Credit Management space.

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Roles and Responsibilties
:

Credit Assessment & Underwriting

Evaluate loan applications based on financial documents, credit history, and risk parameters.

Analyze customer profiles, repayment capacity, and overall creditworthiness.

Ensure compliance with credit policies and risk management frameworks.

Risk Evaluation

Identify potential risks in loan proposals and suggest appropriate risk mitigants.

Monitor market trends and economic indicators to adjust risk models accordingly.

Approval Process

Approve or recommend loan proposals within the delegated authority limit.

Collaborate with senior management and risk teams for high-value or complex cases.

Portfolio Management

Monitor existing loan portfolios for early warning signals and overdue accounts.

Ensure timely review and renewal of credit facilities.

Compliance & Documentation

Ensure adherence to RBI guidelines, internal policies, and legal regulations.

Review and verify loan documentation to ensure completeness and accuracy.

Coordination & Communication

Work closely with sales, legal, operations, and collection teams.

Act as a liaison between internal stakeholders and external clients for credit-related matters.

Reporting & MIS

Prepare and present periodic credit reports, risk assessments, and performance metrics to

management.

Process Improvement

Recommend and implement improvements in credit evaluation processes and systems.

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Requirements
:

1. Direct experience in the lending / FinTech industry /SCF .

2. Have 1-2 years of experience working in credit management

3. Ability to engage with customers and work with other disciplines internally to create an

effective solution to close the deal.

1. Good knowledge of MSOffice, MSExcel and other relevant digital skills to clearly explain to the

customer the organization program that is offered.

1. Should have effective Presentation skills. Will have to give presentations to the Sr.Management for their concurrence and also to the end customers for closing the deals.

2. Strong problem-solving skills and willingness to think outside the box.

3. High energy, hands-on, detailed-oriented and able to work independently.

4. Good communication and interpersonal skills.

5. Self-starter, ability to work and thrive within a fast-paced, culturally diverse, and hands-on

environment.

1. Excellent written and verbal communication and interpersonal skills; Ability to mul

task, organize, and priorize work

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Ǫualificatons
:

1. Bachelor's degree in Business Administration, Marketing, Finance, or related field.

2. 1-2 years of experience in credit management related roles in the Fintech or NBFC industry.

3. Strong understanding of financial products, services, and regulatory requirements in the

Fintech/NBFC sector.

1. Excellent communication, negotiation and interpersonal skills, with the ability to build

rapport and influence key stakeholders.

1. Demonstrated project management skills, with the ability to prioritize tasks, manage timelines, and deliver results in a fast-paced environment.

2. Analytical mindset with the ability to interpret data, analyze trends, and draw actionable

insights to optimize performance.