Credit Analyst

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

Job summary

Digitide in Maharashtra seeks a Credit Analyst to bolster back-office CLM Domestic BFSI operations. You will perform credit analyses, evaluate borrower risk, prepare reports, and support lending decisions with informed recommendations.

Ideal candidates have a Finance/Accounting degree, at least 2 years in credit analysis, strong data interpretation, Excel proficiency, and clear communication. You will collaborate with underwriters and adhere to regulatory standards in a dynamic financial

Qualifications

• Bachelor's degree in finance, accounting, business, or related field.
• Minimum 2 years of experience in credit analysis or similar.
• Strong analytical and communication skills with data interpretation ability.
• Proficient in Microsoft Excel and financial modeling.

Responsibilities

• Conduct comprehensive credit analyses, including financial statement analysis and cash flow projections.
• Evaluate creditworthiness of individuals and businesses, considering credit history and industry trends.
• Prepare detailed credit reports and recommendations to support lending decisions.
• Monitor and assess credit risk, implementing strategies to mitigate losses.
• Collaborate with underwriters and team members for consistent credit assessments.
• Stay updated on regulatory changes and economic factors impacting credit risk.
• Maintain accurate records and documentation for all credit-related activities.
• Provide guidance to customers through the credit application process.
• Assist in developing and implementing credit policies to enhance risk management.
• Participate in periodic reviews of existing credit facilities for compliance and improvement opportunities.

Skills

Analytical thinking

Financial analysis

Regulatory awareness

Excel proficiency

Communication skills

Independent working

Problem solving

MS Office

Education

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

Tools

Excel

Financial analysis tools

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 operations, specifically within the CLM Domestic BFSI department. Your primary responsibility will be to conduct thorough credit analyses and evaluations, ensuring that our lending decisions are well-informed and aligned with our risk management strategies. This role is crucial in maintaining the financial health and stability of our organization.

Responsibilities

• Conduct comprehensive credit analyses, including financial statement analysis and cash flow projections.
• Evaluate creditworthiness of individuals and businesses, considering various factors such as credit history, financial stability, and industry trends.
• Prepare detailed credit reports and recommendations, providing insights to support lending decisions.
• Monitor and assess credit risk, implementing strategies to mitigate potential losses.
• Collaborate with underwriters and other team members to ensure consistent and accurate credit assessments.
• Stay updated on industry trends, regulatory changes, and economic factors impacting credit risk.
• Maintain accurate records and documentation for all credit-related activities.
• Provide support and guidance to customers throughout the credit application process.
• Assist in developing and implementing credit policies and procedures to enhance risk management practices.
• Participate in periodic reviews of existing credit facilities, ensuring compliance and identifying opportunities for improvement.

Qualifications

• Bachelor's degree in Finance, Accounting, Business, or a related field.
• Minimum 2 years of experience in credit analysis or a similar role.
• Strong analytical and critical thinking skills, with the ability to interpret financial data.
• Proficiency in using financial analysis tools and software.
• Excellent written and verbal communication skills, with the ability to explain complex financial concepts clearly.
• Attention to detail and a commitment to accuracy in credit assessments.
• Ability to work independently and manage multiple tasks simultaneously.
• Familiarity with regulatory requirements and compliance standards in the financial industry.
• Strong problem-solving skills and a proactive approach to identifying potential risks.
• Proficiency in Microsoft Office, particularly Excel, for financial modeling and analysis.

Job Info

• Job Identification 270090
• Job Category Customer Support/Operations | BPM