Customer Service & Operations Credit Analyst B5

NatWest Group; Gurugram District; On-site; INR 800,000 - 1,600,000; Full time

Job summary

NatWest Group in India is seeking a Customer Service & Operations Credit Analyst at senior analyst level. You will process, authorise, and investigate credit operations transactions and deliver outcomes aligned with KPIs and SLAs.

You will review loan applications, disclosures, and credit evaluations, collect information from clients, and explore automation opportunities to enhance efficiency and customer experience. Strong analytical and stakeholder skills are essential.

Qualifications

• Minimum two years' experience in financial spreading, ratio analysis, or working with financial statements.
• Back-office or Spread Smart experience preferred.
• Strong understanding of financial statements and accounting standards.
• Customer service abilities with industry knowledge.
• Awareness of changes in trends, policies and regulations.

Responsibilities

• Review loan applications, disclosures and credit evaluations.
• Authorise and investigate all credit operations transactions.
• Collect and analyse information from customers and businesses.
• Review processes in credit operations for automation or improvements.
• Support post-follow-up credit analysis with standardised financial spreading and covenant monitoring.

Skills

Financial spreading

Ratio analysis

Financial statements

Customer service

Stakeholder management

Regulatory awareness

Education

MBA in Finance

ACCA

CMA

FRM

M Com

ICWA

JAIIB/CAIIB

Job description

Join us as a Customer Service & Operations Credit Analyst

• We’ll look to you to deliver customer and business outcomes, investigating queries, supporting business processes, policies, and procedures, and understanding customer and business needs
• Specialising in Credit Operations, you’ll respond to queries from customers and stakeholders promptly within agreed timelines
• This is a chance to build on your credit skills and experience in an engaging and fast-paced environment
• We’re offering this role at senior analyst level

What you'll do

As a Customer Service & Operations Credit Analyst, you’ll deliver successful customer and business outcomes by processing, authorising, and investigating all transactions to defined key performance indicators and service level agreements. In doing so, you’ll identify opportunities to enhance processes and enable the provision of a superior customer and business experience. You’ll also deliver post-follow-up credit analysis through standardised financial spreading, covenant monitoring, and efficient portfolio support, ensuring strong KPI/SLA adherence and continuous improvement.

In addition, you’ll:

• Review documentation including loan applications, disclosures, and credit evaluations
• Authorise and investigate all credit operations transactions
• Collect and analyse the required information from the customers and businesses
• Review credit operations processes which could be automated or enhanced to improve the customer and business experience

• Support post-follow-up credit analysis through standardised financial spreading, robust covenant monitoring, and disciplined portfolio support with strong KPI/SLA adherence

• Enhance efficiency and scalability through high-volume delivery, effective stakeholder management with the Credit Stewardship Team, and automation-led continuous improvement

The skills you'll need

To succeed in this role, you’ll need to have the ability to understand and listen to our customers, develop relationships, and maintain an understanding of their needs. You’ll also have the ability to adapt to fast-paced environments and you’ll have effective organisation skills to deliver to deadlines.

You’ll also need:

• An MBA in Finance, ACCA, CMA, FRM, M Com, ICWA, or a relevant banking professional qualification such as JAIIB or CAIIB

• A minimum of two years’ experience in financial spreading, ratio analysis, or working with financial statements; back‑office, RMPS, or Spread Smart experience is preferred

• An in-depth understanding of financial statements, accounting standards, and ratio analysis

• Customer service abilities along with customer and industry knowledge

• An awareness of changes in trends and policies and regulations timeline?

• An understanding  ​of our industry and its customers ???

• Experience of Managing Stakeholder R eed your li… ???