Credit Officer

Digitide; New Delhi; On-site; INR 600,000 - 900,000; Full time

Job summary

Digitide is seeking a Credit Officer to join its CLM Domestic BFSI back-office team. The role focuses on evaluating credit applications, monitoring portfolios, ensuring regulatory compliance, and acting as the primary contact for credit-related customer queries.

Qualified candidates will have a finance-related degree and at least 2 years in credit analysis, with strong analytical and communication skills to support financial health and customer satisfaction.

Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or related field.
• Minimum 2 years of experience in credit analysis or loan underwriting within BFSI.
• Strong understanding of credit risk metrics, financial statement analysis, and regulatory frameworks.
• Proficiency in MS Excel and credit assessment tools; experience with CRM systems is a plus.

Responsibilities

• Analyze credit applications and perform risk assessments using established scoring models.
• Prepare and present credit recommendations to senior management for approval.
• Monitor existing credit accounts for compliance with terms and early warning signs of delinquency.
• Maintain accurate records of credit decisions, documentation, and portfolio performance.
• Ensure adherence to internal policies and external regulatory requirements (e.g., RBI, Basel).
• Collaborate with sales and operations teams to resolve customer credit inquiries promptly.
• Provide clear explanations of credit decisions and terms to customers, enhancing satisfaction.
• Prepare periodic credit risk reports and dashboards for management review.
• Assist in the development and refinement of credit policies and procedures.
• Participate in audits and implement corrective actions as needed.

Skills

Credit analysis

Regulatory compliance

Financial statement analysis

CRM experience

Education

Bachelor's degree in Finance

Bachelor's degree in Economics

Bachelor's degree in Business Administration

Tools

MS Excel

CRM 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 Officer will be a key member of Digitide Solutions' CLM Domestic BFSI back‑office department, responsible for evaluating credit applications, monitoring portfolio performance, ensuring regulatory compliance, and serving as the primary point of contact for customers regarding credit queries. This role blends analytical rigor with excellent customer service to support the company's financial health and client satisfaction.

Responsibilities

• Analyze credit applications and perform risk assessments using established scoring models.
• Prepare and present credit recommendations to senior management for approval.
• Monitor existing credit accounts for compliance with terms and early warning signs of delinquency.
• Maintain accurate records of credit decisions, documentation, and portfolio performance.
• Ensure adherence to internal policies and external regulatory requirements (e.g., RBI, Basel).
• Collaborate with sales and operations teams to resolve customer credit inquiries promptly.
• Provide clear explanations of credit decisions and terms to customers, enhancing satisfaction.
• Prepare periodic credit risk reports and dashboards for management review.
• Assist in the development and refinement of credit policies and procedures.
• Participate in audits and implement corrective actions as needed.

Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or related field.
• Minimum 2 years of experience in credit analysis or loan underwriting within BFSI.
• Strong understanding of credit risk metrics, financial statement analysis, and regulatory frameworks.
• Proficiency in MS Excel and credit assessment tools; experience with CRM systems is a plus.
• Excellent communication and interpersonal skills for effective customer interaction.
• Detail‑oriented with strong analytical and problem‑solving abilities.
• Ability to work independently and as part of a cross‑functional back‑office team.
• Knowledge of Indian banking regulations and compliance standards.
• High level of integrity and confidentiality in handling sensitive financial data.
• Professional certifications such as CCA, ICA, or CFA are advantageous.

Job Info

• Job Identification 271973
• Job Category Customer Support/Operations | BPM