Credit Officer

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

Job summary

Digitide is seeking a seasoned Credit Officer to oversee credit applications, risk assessments, and decision-making. You will help maintain compliance and service quality across back-office operations.

Join our BFSI-focused team to evaluate financial statements, monitor facilities, and provide insights while collaborating with sales, legal, and operations to strengthen credit processes and client relationships.

Qualifications

• Bachelor's degree in Finance, Accounting, or a related field.
• Minimum 3 years of experience in a credit officer or similar role, preferably in the BFSI industry.
• Strong knowledge of credit analysis, risk assessment, and financial statement evaluation techniques.
• Excellent analytical and decision‑making skills, with the ability to interpret complex financial data.
• Proficiency in using credit analysis tools and software, such as credit scoring models and financial analysis platforms.
• Effective communication skills, both written and verbal, to interact with clients and internal stakeholders.
• Ability to work independently, manage multiple tasks, and prioritize workload effectively.
• Familiarity with regulatory requirements and compliance standards related to credit operations.
• Strong attention to detail and a commitment to maintaining accurate records and documentation.
• A proactive and solution-oriented approach to problem-solving, with a focus on continuous improvement.

Responsibilities

• Evaluate and analyze credit applications, financial statements, and other relevant documents to assess creditworthiness.
• Conduct thorough credit risk assessments, considering various factors such as industry trends, market conditions, and client history.
• Make informed credit decisions, considering the company's risk appetite and strategic objectives.
• Maintain accurate records and documentation for all credit-related activities, ensuring compliance with internal policies and external regulations.
• Monitor and manage existing credit facilities, including reviewing performance, identifying potential issues, and implementing corrective actions.
• Build and maintain strong relationships with clients, providing timely updates and addressing their credit-related concerns.
• Collaborate with other departments, such as sales, operations, and legal, to ensure a seamless credit process and effective communication.
• Stay updated on industry trends, market dynamics, and regulatory changes to adapt credit policies and procedures accordingly.
• Provide regular reports and insights on credit performance, identifying areas for improvement and recommending strategic initiatives.
• Support the training and development of junior credit officers, fostering a culture of continuous learning and improvement.

Skills

Credit analysis

Risk assessment

Analytical skills

Communication skills

Regulatory knowledge

Problem solving

Education

Bachelor's degree in Finance / Accounting / Business Administration

Tools

Credit scoring software

Financial analysis platforms

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 Officer, you will be responsible for overseeing credit-related activities, including evaluating credit applications, assessing financial risks, and making informed decisions. Your expertise will contribute to the smooth operation of our back-office functions, ensuring compliance with regulations and maintaining high standards of customer service.

Responsibilities

• Evaluate and analyze credit applications, financial statements, and other relevant documents to assess creditworthiness.
• Conduct thorough credit risk assessments, considering various factors such as industry trends, market conditions, and client history.
• Make informed credit decisions, considering the company's risk appetite and strategic objectives.
• Maintain accurate records and documentation for all credit-related activities, ensuring compliance with internal policies and external regulations.
• Monitor and manage existing credit facilities, including reviewing performance, identifying potential issues, and implementing corrective actions.
• Build and maintain strong relationships with clients, providing timely updates and addressing their credit-related concerns.
• Collaborate with other departments, such as sales, operations, and legal, to ensure a seamless credit process and effective communication.
• Stay updated on industry trends, market dynamics, and regulatory changes to adapt credit policies and procedures accordingly.
• Provide regular reports and insights on credit performance, identifying areas for improvement and recommending strategic initiatives.
• Support the training and development of junior credit officers, fostering a culture of continuous learning and improvement.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• Minimum 3 years of experience in a credit officer or similar role, preferably in the BFSI industry.
• Strong knowledge of credit analysis, risk assessment, and financial statement evaluation techniques.
• Excellent analytical and decision-making skills, with the ability to interpret complex financial data.
• Proficiency in using credit analysis tools and software, such as credit scoring models and financial analysis platforms.
• Effective communication skills, both written and verbal, to interact with clients and internal stakeholders.
• Ability to work independently, manage multiple tasks, and prioritize workload effectively.
• Familiarity with regulatory requirements and compliance standards related to credit operations.
• Strong attention to detail and a commitment to maintaining accurate records and documentation.
• A proactive and solution-oriented approach to problem-solving, with a focus on continuous improvement.

Job Info

• Job Identification 271379
• Job Category Customer Support/Operations | BPM