Credit Analyst

Digitide Solutions Limited; Thane; On-site; INR 600,000 - 900,000; Full time

Job summary

Digitide Solutions Limited is seeking a Credit Analyst to assess creditworthiness of individuals and businesses, supporting lending decisions and risk management. You will evaluate loan applications, analyze statements, and advise on approvals to ensure sound credit practices.

The role requires a finance background, strong analytical skills, and proficiency with Excel and credit analysis tools. Collaborative work with the lending team is essential for structuring terms and monitoring portfolios.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or related field.
• Strong analytical and critical thinking skills with ability to interpret financial data.
• Proficiency in financial analysis tools like Excel and credit analysis platforms.

Responsibilities

• Conduct credit assessments of loan applicants, evaluating financial health and credit history.
• Analyze financial statements, income statements, and cash flows to assess repayment ability.
• Calculate and interpret financial ratios to determine creditworthiness and risk factors.
• Review loan documents for accuracy and regulatory compliance.
• Collaborate with lending team to structure loan terms aligned with borrower capacity and risk.
• Monitor existing loan portfolios and identify risks with mitigation strategies.
• Stay updated on industry trends and economic indicators impacting credit risk.
• Prepare credit reports and recommendations for approvals or rejections with clear justification.
• Maintain records of credit analysis processes and decisions.
• Participate in training to enhance credit analysis skills and knowledge.

Skills

Analytical skills

Critical thinking

Communication skills

Attention to detail

Education

Bachelor's degree in Finance/Accounting/Business

Tools

Excel

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 organization's financial operations. Your primary responsibility will be to assess the creditworthiness of individuals and businesses, ensuring that our lending practices are sound and aligned with our risk management strategies. You will work closely with our lending team to evaluate loan applications, analyze financial statements, and make informed decisions regarding credit approvals. Your expertise in credit analysis will contribute to the overall success and stability of our financial institution.

Responsibilities

• Conduct thorough credit assessments of loan applicants, evaluating their financial health and credit history.
• Analyze financial statements, income statements, and cash flow projections to assess the borrower's ability to repay loans.
• Calculate and interpret financial ratios to determine the borrower's creditworthiness and potential risk factors.
• Review and verify the accuracy of loan application documents, ensuring compliance with regulatory requirements.
• Collaborate with the lending team to structure loan terms and conditions that align with the borrower's financial capacity and our risk appetite.
• Monitor and manage existing loan portfolios, identifying potential risks and implementing strategies to mitigate them.
• Stay updated on industry trends, economic indicators, and market conditions that may impact credit risk.
• Prepare comprehensive credit reports and recommendations for loan approvals or rejections, providing clear justifications.
• Maintain accurate records and documentation of credit analysis processes and decisions.
• Participate in training and development opportunities to enhance your credit analysis skills and stay abreast of industry best practices.

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 in the financial industry.
• Strong analytical and critical thinking skills, with the ability to interpret financial data and make sound judgments.
• Proficiency in using financial analysis tools and software, such as Excel and specialized credit analysis platforms.
• Excellent attention to detail and a meticulous approach to credit assessment and documentation.
• Good understanding of accounting principles and financial statement analysis techniques.
• Ability to work independently and manage multiple tasks simultaneously, meeting tight deadlines.
• Effective communication skills, both written and verbal, to collaborate with colleagues and present credit analysis findings.
• Willingness to continue learning and staying updated on industry trends and regulatory changes.
• Strong ethical standards and a commitment to maintaining confidentiality and data security.

Job Info

• Job Identification 265430
• Job Category Customer Support/Operations | BPM