Credit & Risk analytic

Ample Success HR; Bengaluru; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Ample Success HR in Bengaluru seeks a Credit Analyst – Enterprise Large Credit Risk / Merchant Underwriting to perform detailed financial analysis of merchant statements and provide risk-based credit recommendations. The role emphasizes accurate risk assessment and collaboration with stakeholders to manage exposure.

The candidate should have 2–4 years of experience, strong Excel skills, and the ability to work autonomously within SLAs. Bachelor’s degree or higher is required.

Qualifications

• Bachelor's degree or higher required.
• Experience in financial analysis and credit assessment.
• Excellent written and verbal English communications.
• Ability to work autonomously and meet deadlines.

Responsibilities

• Perform extensive analysis on merchant financial statements and provide credit recommendations.
• Evaluate complex issues while mitigating risk and prioritizing factors.
• Establish appropriate credit limits and collateral requirements.
• Communicate effectively with internal and external clients.
• Monitor merchant activity and raise concerns to management.
• Prepare thorough credit analyses and secure management approval.

Skills

Financial analysis

Communication skills

Judgment

Ownership

Time management

Multitasking

Education

Bachelor's degree or higher

Finance/Accounting degree

Tools

Microsoft Excel

Financial analysis software

Job description

Job Title: Credit Analyst – Enterprise Large Credit Risk / Merchant UnderwritingJob Description Summary: Credit Professional that completes detailed financial / risk analysis of a merchant's financial statements, conducts detailed business service evaluations to assess exposures, makes supportable recommendations, and monitors merchant activity to identify risk concerns. Job Description:

GENERAL DUTIES & RESPONSIBILITIES:

• Performs extensive analysis on a variety of financial statements and provides supportable credit recommendations
• Effectively evaluates complex issues, considering and prioritizing a variety of factors while adequately mitigating risk
• Establishes appropriate credit limits and collateral requirements
• Communicates effectively and professionally with internal and external clients
• Exercises sound judgment in assessing potential regulatory and reputational risks
• Monitors merchant activity, communicating concerns to management
• An ability to formulate solutions for new opportunities or challenging financial distress scenarios
• Excellent verbal and written communication skills (good written English is essential)
• Strong computer skills, including familiarity with Microsoft Office products, specifically Microsoft Excel
• An ability to prioritize competing tasks, work autonomously, and manage within established SLA’s / timelines.

EDUCATION REQUIREMENTS:

Bachelor's degree or higher

GENERAL KNOWLEDGE, SKILLS & ABILITIES:

• Extensive experience with financial analysis and financial analysis software
• Effective communication skills and attention to detail
• Strong work ethic and strong sense of ownership
• Ability to creatively solve problems and achieve company objectives
• Time management and flexibility
• Knowledge of merchant acquiring services

JOB LEVEL DESCRIPTION:

Advanced professional role with broad understanding of their area of expertise. Resolves complex issues requiring in-depth knowledge and skills. Exercises judgment in decision making, determines approach, methods and procedures to use on new assignments.

External Job Posting Description:

About The Team: The U.S. Large Credit team works collaboratively with merchants, business development teams, relationship managers, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. We are a dynamic and diverse team providing a significant positive impact for our stakeholders.

What You Will Be Doing:

The primary responsibility of the Credit Analyst is to review large credit risk exposure accounts with a focus on the merchant’s credit fundamentals. Analysis is performed to ensure adequate financial strength in relation to the potential exposure generated from the payment processing relationship. As a team member, you will perform thorough financial analysis on prospective merchants and collaborate with stakeholders to mitigate and manage risk to Global Payments.

• Obtain and reviews the financial statements of merchants
• Performs analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure
• Detailed level of analysis to understand financial liquidity, leverage, and solvency metrics, and properly evaluate financial and operational trends
• Perform detailed research and analysis of business activity to accurately quantify credit risk exposures based upon the industry and product details for the specific business / merchant client
• Effectively evaluate complex business arrangements and structures; able to dive deep into the background, legal entities, products, and operations of the merchant / company
• Recommend and establish appropriate credit limits and collateral to minimize and manage risk
• Document detailed written analysis, findings, and recommendations as part of a formal credit analysis document and secure approval from management
• Communicate effectively and professionally with internal and external clients
• Exercise sound judgment in assessing potential risks
• Monitors and communicates credit concerns to management

Minimum Skill Requirements:

• Skills and expertise needed to perform the job requirements listed above, at minimum:
• 2-4 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos
• Effective communication skills; attention to detail
• Strong judgment and decision-making skills
• Self-starter, able to work independently; possesses a strong sense of ownership
• Ability to creatively solve problems and achieve company objectives
• Time management skills with ability to multitask

Preferred Additional Requirements:

• Knowledge of merchant acquiring services and the payment processing industry
• Degree in Finance, Accounting, or similar formal credit training

What We Offer You:

• A multifaceted role with a high degree of responsibility and a broad spectrum of opportunities for personal growth and development within a growing team.
• The opportunity to focus on a broad range of industries and financial topics.
• A work environment built on collaboration, flexibility and respect
• A competitive salary and benefits designed to help support your lifestyle and well being

Interested in this role?