Credit Analyst

Digitide; Chennai; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Digitide, a global AI-led solutions provider, is seeking a Credit Analyst for its Back Office. You will assess borrower creditworthiness, review financial statements, and prepare credit reports to support decision-making.

You will monitor existing facilities, mitigate risk, and collaborate with underwriters and relationship managers while maintaining data integrity and confidentiality.

Qualifications

• Bachelor's degree in Finance, Accounting, or related field.
• Min 3 years of credit analysis experience in BFSI.
• Strong ability to analyze financial statements and cash flows.
• Excellent attention to detail and ethical standards.

Responsibilities

• Assess creditworthiness of potential borrowers through financial statements and cash flow analysis.
• Prepare credit reports and recommendations for approval or rejection.
• Monitor and manage existing credit facilities and borrower performance.
• Identify and mitigate credit risks with appropriate strategies.
• Collaborate with underwriters and relationship managers for approvals.
• Stay updated on industry and regulatory changes affecting credit decisions.
• Maintain records and ensure data integrity and confidentiality.
• Provide guidance to junior analysts and drive process improvements.
• Participate in cross-functional projects to enhance credit processes.
• Adhere to policies and maintain professionalism and integrity.

Skills

Analytical skills

Excel proficiency

Financial analysis

Attention to detail

Communication skills

Education

Bachelor's degree in Finance/Accounting/Business

Tools

Financial modeling tools

Credit analysis software

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 vital role in our Back Office department, contributing to the financial health and stability of our organization. Your primary responsibility will be to assess the creditworthiness of potential borrowers and manage existing credit facilities. This role requires a methodical approach, excellent judgment, and the ability to work independently while collaborating effectively with colleagues.

Responsibilities

• Conduct thorough credit analyses and evaluations of potential borrowers, including financial statement analysis, cash flow assessments, and industry research.
• Prepare comprehensive credit reports and recommendations for approval or rejection, ensuring compliance with internal policies and regulatory requirements.
• Monitor and manage existing credit facilities, including regular reviews of borrower performance and financial health.
• Identify and mitigate credit risks, implementing appropriate strategies to minimize potential losses.
• Collaborate with underwriters, relationship managers, and other stakeholders to ensure a seamless credit approval process.
• Stay updated on industry trends, economic factors, and regulatory changes that may impact credit decisions.
• Maintain accurate records and documentation for all credit-related activities, ensuring data integrity and confidentiality.
• Provide support and guidance to junior analysts, fostering a culture of knowledge sharing and continuous improvement.
• Participate in cross-functional projects and initiatives aimed at enhancing credit processes and systems.
• Adhere to company policies, procedures, and ethical standards, maintaining the highest level of professionalism and integrity.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• Minimum of 3 years of experience in credit analysis or a similar role, preferably in the BFSI industry.
• Strong analytical and problem-solving skills, with the ability to interpret complex financial data.
• Excellent attention to detail and a methodical approach to work.
• Proficiency in using financial analysis tools and software, such as Excel and specialized credit analysis platforms.
• Good understanding of financial statement analysis, cash flow modeling, and risk assessment techniques.
• Ability to work independently and manage multiple tasks simultaneously.
• Effective communication skills, both written and verbal, for interacting with internal and external stakeholders.
• Willingness to stay updated on industry trends and best practices in credit management.
• Strong ethical standards and a commitment to maintaining confidentiality.

Job Info

• Job Identification 265025
• Job Category Customer Support/Operations | BPM