Credit Analyst

Digitide; Chandigarh; On-site; INR 500,000 - 800,000; Full time

Job summary

Digitide is seeking a Credit Analyst to join its Back Office team. You will assess creditworthiness of potential clients, analyze financial health, and manage existing relationships to support informed lending decisions.

The role emphasizes strong analytical skills, attention to detail, and ability to work independently, while staying updated on industry regulations and contributing to risk management strategies.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• Minimum of 2 years of experience in credit analysis or a similar role.
• Strong analytical and critical thinking skills with the ability to interpret financial data.

Responsibilities

• Conduct thorough credit analyses and evaluations of potential clients' financial health and stability.
• Prepare comprehensive credit reports and recommendations for approval or rejection of credit applications.
• Monitor and manage existing client accounts, ensuring timely payments and identifying any potential risks or issues.
• Collaborate with the sales team to provide financial insights and support during the sales process.
• Stay updated on industry trends, market conditions, and regulatory changes that may impact credit decisions.
• Maintain accurate records and documentation of credit assessments and client interactions.
• Develop and implement risk management strategies to mitigate potential credit risks.
• Provide regular reports and insights to senior management on credit performance and trends.
• Assist in the development and implementation of credit policies and procedures.
• Foster a positive and professional relationship with clients, ensuring a high level of customer satisfaction.

Skills

Credit analysis

Financial analysis

Risk assessment

Communication

Attention to detail

Interpersonal skills

Independent work

Regulatory awareness

Problem solving

Education

Bachelor's degree in Finance, Accounting, or related field

Job description

Digitide started with a simple vision: to transform business operations and drive growth for enterprises across the globe.

For over 20 years, we’ve been at the forefront of this mission, creating lasting impact through AI-led digital solutions, smart business processes, and deep industry expertise. Our journey began as a partner to businesses looking to enhance operational efficiency and customer experiences. By combining the power of AI, data intelligence, and business process services, we’ve been able to help our customers master the digital age and stay ahead of the curve.

With a global presence across 40 locations in 5 countries and a team of 55,000 dedicated associates, we deliver transformative solutions that help businesses adapt, evolve, and thrive in a constantly changing world. We’re more than just a service provider we’re a committed partner driving meaningful impact every day. We leverage global expertise and local insights to help customers navigate challenges and seize new opportunities. With a focus on innovation, collaboration, and results, we continue to pave the way for the future of business.

Job Description

As a Credit Analyst, you will play a crucial role in our Back Office department, contributing to the overall success of Digitide Solutions Limited. Your primary responsibility will be to assess the creditworthiness of potential clients and manage existing client relationships. This role requires a deep understanding of financial analysis and risk assessment, as well as excellent communication and interpersonal skills.

Responsibilities

• Conduct thorough credit analyses and evaluations of potential clients' financial health and stability.
• Prepare comprehensive credit reports and recommendations for approval or rejection of credit applications.
• Monitor and manage existing client accounts, ensuring timely payments and identifying any potential risks or issues.
• Collaborate with the sales team to provide financial insights and support during the sales process.
• Stay updated on industry trends, market conditions, and regulatory changes that may impact credit decisions.
• Maintain accurate records and documentation of credit assessments and client interactions.
• Develop and implement risk management strategies to mitigate potential credit risks.
• Provide regular reports and insights to senior management on credit performance and trends.
• Assist in the development and implementation of credit policies and procedures.
• Foster a positive and professional relationship with clients, ensuring a high level of customer satisfaction.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• Minimum of 2 years of experience in credit analysis or a similar role.
• Strong analytical and critical thinking skills, with the ability to interpret financial data.
• Excellent attention to detail and a meticulous approach to work.
• Proficiency in using financial analysis tools and software.
• Effective communication and interpersonal skills, with the ability to build relationships.
• Ability to work independently and manage multiple tasks simultaneously.
• Familiarity with industry-specific regulations and compliance requirements.
• Willingness to stay updated on industry trends and best practices.
• Strong problem-solving and decision-making abilities.

Job Info

• Job Identification 270247
• Job Category Customer Support/Operations | BPM