Credit Analyst

Fuku; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Retirement plan

Professional development

Paid time off

Flexible work

Wellness program

Employee assistance

Job summary

Fuku by Momofuku is seeking a Credit Analyst to evaluate creditworthiness by analyzing financial data, credit reports, and market trends. You will prepare detailed reports, make informed recommendations, and monitor existing credit lines to manage risk.

The role collaborates with sales and underwriting to tailor credit solutions for clients. The ideal candidate has a finance-related degree and proven experience in credit analysis, with strong modeling and communication skills for clear reporting

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• Proven experience as Credit Analyst or similar.
• Strong analytical skills to interpret financial data and identify risk factors.
• Proficiency in financial modeling, credit scoring, and risk assessment tools.

Responsibilities

• Analyze financial statements, credit reports, and data to assess creditworthiness.
• Prepare detailed credit analysis reports and provide recommendations.
• Monitor and evaluate existing credit accounts to identify risks and ensure compliance.
• Collaborate with internal teams to structure credit solutions.
• Stay updated on industry trends and regulatory changes.
• Assist in development and implementation of credit policies.
• Communicate credit decisions to stakeholders.
• Support periodic credit risk reports for senior management and regulators.

Skills

Financial analysis

Credit risk

Data interpretation

Excel proficiency

Regulatory knowledge

Communication skills

Time management

Analytical thinking

Financial modeling

Education

Bachelor’s degree in Finance / Economics / Accounting

Tools

Excel

Credit scoring tools

Job description

Job responsibilities:

• Analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses.
• Prepare detailed credit analysis reports and provide recommendations for credit approvals, renewals, or denials.
• Monitor and evaluate existing credit accounts to identify potential risks and ensure compliance with company policies and regulations.
• Collaborate with internal teams, including sales and underwriting, to structure credit solutions that align with client needs and company objectives.
• Stay updated on industry trends, economic conditions, and regulatory changes that may impact credit risk assessments.
• Assist in the development and implementation of credit policies and procedures to enhance risk management practices.
• Communicate credit decisions and findings to stakeholders in a clear and professional manner.
• Support the preparation of periodic credit risk reports for senior management and regulatory bodies.

Job requirements:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field; advanced degree or professional certification (e.g., CFA, CPA) is a plus.
• Proven experience as a Credit Analyst or in a similar role within the financial services industry.
• Strong analytical skills with the ability to interpret complex financial data and identify key risk factors.
• Proficiency in financial modeling, credit scoring, and risk assessment tools.
• Excellent written and verbal communication skills, with the ability to present findings and recommendations effectively.
• Detail-oriented with strong organizational and time management skills.
• Knowledge of relevant regulatory requirements and industry best practices in credit risk management.
• Proficiency in Microsoft Office Suite, particularly Excel, and familiarity with financial analysis software.

Job benefits:

• Competitive salary and performance-based bonuses.
• Comprehensive health, dental, and vision insurance plans.
• Retirement savings plan with company matching contributions.
• Opportunities for professional development and career advancement.
• Generous paid time off, including vacation, sick leave, and holidays.
• Flexible work arrangements to support work-life balance.
• Access to wellness programs and employee assistance resources.
• Collaborative and inclusive work environment with a focus on employee growth and satisfaction.