Credit Analyst

Digitide; Mumbai; On-site; INR 600,000 - 800,000; Full time

Job summary

Digitide is seeking a Credit Analyst to evaluate financial statements, credit histories, and market data to assess creditworthiness for corporate and individual clients in the BFSI sector. You will work with the back-office to provide actionable insights, ensure policy compliance, and maintain strong client relationships through timely credit decisions.

The role requires 2+ years of credit analysis experience, strong analytical skills, and proficiency in Excel and credit analysis tools.

Qualifications

• 2+ years of experience in credit analysis, underwriting, or risk assessment within BFSI.
• Bachelor’s degree in Finance, Economics, Business Administration, or related field.
• Proficiency in Excel and credit analysis software; strong analytical abilities.
• Knowledge of RBI guidelines and Basel norms; regulatory awareness.

Responsibilities

• Conduct detailed credit assessments using financial statements, credit scores, and industry trends.
• Prepare and present credit risk reports for senior management and lending committees.
• Monitor existing credit portfolios for early warning signs and recommend corrective actions.
• Collaborate with Customer Care Executives to address client inquiries related to credit decisions.
• Ensure all credit analyses comply with regulatory standards and internal policies.
• Maintain accurate documentation of credit files and audit trails.
• Assist in developing and refining credit scoring models and underwriting guidelines.
• Support back-office teams in processing loan applications and documentation verification.
• Participate in cross-functional meetings to improve credit processes and customer experience.

Skills

Analytical skills

Excel

Credit analysis software

Education

Bachelor’s degree in Finance, Economics, or related field

Tools

MS Office Suite

CRM/ERP systems

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

The Credit Analyst will evaluate financial statements, credit histories, and market data to assess the creditworthiness of corporate and individual clients within the BFSI sector. Working closely with the back‑office team, you will provide actionable insights, ensure compliance with internal policies, and help maintain strong customer relationships through timely and accurate credit decisions.

Responsibilities

• Conduct detailed credit assessments using financial statements, credit scores, and industry trends.
• Prepare and present credit risk reports for senior management and lending committees.
• Monitor existing credit portfolios for early warning signs and recommend corrective actions.
• Collaborate with Customer Care Executives to address client inquiries related to credit decisions.
• Ensure all credit analyses comply with regulatory standards and internal policies.
• Maintain accurate documentation of credit files and audit trails.
• Assist in the development and refinement of credit scoring models and underwriting guidelines.
• Support the back‑office team in processing loan applications and documentation verification.
• Participate in cross‑functional meetings to improve credit processes and customer experience.
• Stay updated on market developments, regulatory changes, and emerging credit risks.

Qualifications

• Bachelor’s degree in Finance, Economics, Business Administration, or related field.
• 2+ years of experience in credit analysis, underwriting, or risk assessment within BFSI.
• Strong analytical skills with proficiency in Excel and credit analysis software.
• Knowledge of regulatory frameworks such as RBI guidelines and Basel norms.
• Excellent written and verbal communication skills.
• Ability to work independently and as part of a back‑office team.
• Detail‑oriented with strong organizational and documentation skills.
• Customer‑focused mindset with experience handling client inquiries.
• Professional certifications (e.g., CFA, ICAI) are a plus.
• Proficiency in MS Office Suite and familiarity with CRM/ERP systems.

Job Info

• Job Identification 271975
• Job Category Customer Support/Operations | BPM