Customer Service & Operations Credit Analyst B5

RBS; Gurugram District; On-site; INR 1,200,000 - 2,200,000; Full time

Job summary

RBS in India is seeking a senior Customer Service & Operations Credit Analyst to drive accurate processing, authorization and investigations of credit transactions, aligned to KPIs and SLAs.

You will review loan applications, monitor covenants, analyse financial statements, and collaborate with stakeholders to improve processes and the customer experience.

Qualifications

• MBA in Finance or equivalent professional qualification.
• Two years’ experience in financial spreading or ratio analysis.
• Understanding of financial statements and accounting standards.
• Experience with credit operations or back-office processing.
• Customer service and stakeholder management abilities.

Responsibilities

• Review loan applications, disclosures, and credit evaluations.
• Authorize and investigate credit operations transactions.
• Collect and analyse information from customers and businesses.
• Analyse processes to automate or improve the customer experience.
• Monitor covenants and perform post-follow-up credit analysis.

Skills

Financial analysis

Customer service

Stakeholder management

Credit operations

Policy & procedures

Education

MBA in Finance

CA/ACCA/FRM or equivalent banking qualification

Tools

Spread Smart

RMPS

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 businessesReview 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, policies, and regulations
• An understanding of our industry and its customers
• Experience of managing stakeholder relationships

Hours

45

Job Posting Closing Date:

03/11/2026