Credit Officer

Digitide; Pune District; On-site; INR 420,000 - 700,000; Full time

Job summary

Digitide, a global AI-led digital solutions provider, is seeking a Credit Officer in Pune to manage loan applications, approvals, and post-approval activities. You will perform credit analysis, assess risk, and ensure compliance with financial regulations while maintaining client relationships.

The role requires 3+ years in credit-related functions within BFSI, strong analytical skills, and proficiency in Excel and credit scoring tools.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or related field.
• 3+ years of credit-related experience, preferably BFSI.
• Strong knowledge of credit analysis, risk assessment, and financial statement analysis.
• Excellent understanding of financial regulations and compliance requirements.
• Proficiency in using credit scoring models and credit risk management tools.
• Strong analytical and problem-solving skills with the ability to make sound credit decisions.
• Effective communication and interpersonal skills with clients and teams.
• Attention to detail and accuracy in credit documents.

Responsibilities

• Manage and oversee credit operations, including loan applications, credit approvals, and post-approval processes.
• Conduct thorough credit analyses and risk assessments to ensure sound lending decisions.
• Review and evaluate financial statements, credit reports, and other documents to assess creditworthiness.
• Maintain accurate records and documentation for all credit-related activities, ensuring compliance with policies and regulations.
• Collaborate with sales and marketing to develop and implement credit policies and procedures.
• Monitor credit trends and market conditions to stay updated on risks and opportunities.
• Build and maintain relationships with clients, providing timely credit information.
• Handle customer inquiries and complaints related to credit, ensuring satisfactory resolutions.
• Assist in development and implementation of credit scoring models and risk management strategies.
• Stay informed about changes in financial regulations and ensure compliance.

Skills

Credit analysis

Risk assessment

Regulatory compliance

Credit scoring models

Excel

Communication skills

Attention to detail

Education

Bachelor's degree (Finance/Accounting/Business Administration)

Tools

Microsoft Excel

Credit risk 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 Officer, you will be responsible for overseeing credit-related activities, including loan processing, credit analysis, and risk assessment. Your expertise will contribute to the smooth operation of our back-office functions, ensuring compliance with financial regulations and maintaining strong relationships with clients.

Responsibilities

• Manage and oversee credit operations, including loan applications, credit approvals, and post-approval processes.


• Conduct thorough credit analyses and risk assessments to ensure sound lending decisions.


• Review and evaluate financial statements, credit reports, and other relevant documents to assess creditworthiness.


• Maintain accurate records and documentation for all credit-related activities, ensuring compliance with internal policies and external regulations.


• Collaborate with the sales and marketing teams to develop and implement effective credit policies and procedures.


• Monitor and analyze credit trends, market conditions, and industry best practices to stay updated on emerging risks and opportunities.


• Build and maintain strong relationships with clients, providing them with timely and accurate information regarding their credit status.


• Handle customer inquiries and complaints related to credit, ensuring prompt and satisfactory resolutions.


• Assist in the development and implementation of credit scoring models and credit risk management strategies.


• Stay informed about changes in financial regulations and ensure that the company's credit practices remain compliant.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.


• Minimum of 3 years of experience in a credit-related role, preferably in the BFSI industry.


• Strong knowledge of credit analysis, risk assessment, and financial statement analysis.


• Excellent understanding of financial regulations and compliance requirements.


• Proficiency in using credit scoring models and credit risk management tools.


• Strong analytical and problem-solving skills, with the ability to make sound credit decisions.


• Effective communication and interpersonal skills, with the ability to build relationships.


• Attention to detail and a commitment to accuracy in credit-related documentation.


• Ability to work independently and manage multiple tasks simultaneously.


• Proficiency in Microsoft Office suite, particularly Excel, for financial analysis and reporting.

Job Info

• Job Identification 266904


• Job Category Customer Support/Operations | BPM