CREDIT OPERATION EXECUTIVE

Digitide; Madurai District; On-site; INR 300,000 - 420,000; Full time

Job summary

Digitide seeks a Credit Operation Executive to support back-office credit processing in the CLM Domestic BFSI division. You will ensure accurate processing, regulatory compliance, and strong customer relationships while coordinating with internal teams.

Ideal candidates hold a finance-related degree and at least 2 years in credit operations, with excellent communication and analytical skills. Proficiency in Excel and credit software is essential for data reporting and risk management.

Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field is preferred.
• Minimum 2 years of experience in credit operations, preferably in a back-office environment.
• Strong knowledge of credit analysis, risk assessment, and financial statement analysis.
• Excellent communication and interpersonal skills, with the ability to build rapport.
• Proficiency in MS Office, especially Excel, for data analysis and reporting.
• Familiarity with credit processing software or systems is an advantage.

Responsibilities

• Handle credit applications and process them efficiently, ensuring compliance with regulations and company policies.
• Review and analyze credit reports, financial statements, and other relevant documents to make informed decisions.
• Maintain accurate records of credit operations, including loan approvals, disbursements, and repayments.
• Collaborate with the customer care team to address customer inquiries and concerns related to credit services.
• Monitor and manage credit risk by implementing risk mitigation strategies and staying updated on industry trends.
• Build and maintain strong relationships with internal teams, such as the sales and operations departments, to align credit operations with business goals.
• Ensure compliance with legal and regulatory requirements, including data privacy and anti-money laundering regulations.
• Provide regular reports and insights on credit operations to senior management, highlighting areas for improvement and potential risks.
• Stay updated on industry best practices and emerging technologies to enhance credit processes and customer experience.
• Support the training and development of junior credit operation staff, fostering a culture of continuous improvement.

Skills

Credit analysis

Risk assessment

Financial analysis

Communication skills

Analytical mindset

Problem solving

Customer focus

Attention to detail

Education

Bachelor's degree in Finance or related field

Tools

MS Excel

Credit 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 Operation Executive, you will play a vital role in our back-office operations, specifically in the CLM Domestic BFSI department. Your primary focus will be on managing credit-related tasks, ensuring accurate and timely processing, and maintaining strong relationships with customers and stakeholders. This role is an excellent opportunity to contribute to the success of our financial services division.

Responsibilities

• Handle credit applications and process them efficiently, ensuring compliance with regulations and company policies.
• Review and analyze credit reports, financial statements, and other relevant documents to make informed decisions.
• Maintain accurate records of credit operations, including loan approvals, disbursements, and repayments.
• Collaborate with the customer care team to address customer inquiries and concerns related to credit services.
• Monitor and manage credit risk by implementing risk mitigation strategies and staying updated on industry trends.
• Build and maintain strong relationships with internal teams, such as the sales and operations departments, to align credit operations with business goals.
• Ensure compliance with legal and regulatory requirements, including data privacy and anti-money laundering regulations.
• Provide regular reports and insights on credit operations to senior management, highlighting areas for improvement and potential risks.
• Stay updated on industry best practices and emerging technologies to enhance credit processes and customer experience.
• Support the training and development of junior credit operation staff, fostering a culture of continuous improvement.

Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field is preferred.
• Minimum 2 years of experience in credit operations, preferably in a back-office environment.
• Strong knowledge of credit analysis, risk assessment, and financial statement analysis.
• Excellent communication and interpersonal skills, with the ability to build rapport with customers and colleagues.
• Proficiency in using MS Office suite, especially Excel, for data analysis and reporting.
• Familiarity with credit processing software or systems is an advantage.
• Ability to work independently and manage multiple tasks simultaneously.
• Analytical mindset with a focus on attention to detail and accuracy.
• Strong problem-solving skills and a customer-centric approach.
• Willingness to stay updated on industry trends and regulations.

Job Info

• Job Identification 256249
• Job Category Customer Support/Operations | BPM