Credit Analyst

Digitide; India; On-site; INR 420,000 - 780,000; Full time

Job summary

Digitide Solutions Limited is seeking a Credit Analyst for the Back Office to assess clients' creditworthiness and manage relationships.

You will conduct credit analyses, prepare reports, monitor accounts, and collaborate with sales to provide financial insights.

Candidates should have a finance-related degree and at least two years' experience, with strong analytical and communication skills and regulatory awareness.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or 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.

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

Analytical skills

Critical thinking

Attention to detail

Communication skills

Time management

Regulatory knowledge

Education

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

Job description

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

• Bachelors 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.

Requirements: