IN Credit Analyst

Fintech Farm Ltd; India; On-site; INR 450,000 - 650,000; Full time

Job summary

Fintech Farm Ltd. is seeking a Credit Analyst for Operations and Support to review credit applications, ensure policy compliance, and support risk mitigation.

The role requires 2 years’ relevant experience, a Bachelor’s Degree, strong Excel skills, and the ability to manage multiple priorities, including nights and weekends on a rotating shift basis.

Qualifications

• 2 years relevant experience preferably at a high-growth tech startup in the financial services space.
• Strong analytical and report-writing abilities.
• Excellent Excel skills and ability to process large volumes of data.

Responsibilities

• Credit applications timely review with feedback aligned to bank policy and procedures.
• Ensure loans are originated in compliance with policies and monitor exceptions.
• Assist in developing and monitoring risk mitigation strategies for key risk areas.
• Evaluate and monitor credit management to identify risk needing escalation.
• Prepare periodic underwriting risk assessment reports.
• Keep up-to-date on key credit issues including regulatory compliance.

Skills

Analytical skills

Oral communication

Report writing

multitask management

Problem solving

Adaptability

Education

Bachelor’s Degree

Tools

Excel

Job description

Credit Analyst - Operations and Support

Key Responsibilities:

• Credit applications timely review, with a feedback in line with laid down Bank Policy and
  Procedures
• Ensure that loans are originated in compliance with established policies and procedures and
  those exceptions are properly monitored, documented and approved
• Assist in developing and monitoring risk mitigation strategies for the organization’s critical risk
  areas
• Evaluate and monitor the credit management process to Identify risk-related issues needing
  escalation to management
• Ensures that the Bank's credit exposures are within set risk bearing limits.
• Prepare periodic underwriting risk assessment reports
• Make recommendations about procedural/policy changes to the Head of Risk
• Keep an up-to-date information on key Credit issues (for example legal, market risk and
  compliance issues)
• Assist to enhance the quality of credit applications
• Ensure regulatory compliance
• Maintain working knowledge of relevant legislation, statutory instruments, codes of practice, and
  organization policies, and ensure adherence

Qualification Requirements:

• 2 years relevant experience preferably at a high-growth tech startup in the financial services
  space
• Good credit sector understanding
• Ability to analyze financial data
• Ability to read large volumes of documents effectively and extract necessary information
• In-depth understanding of the risk mitigation strategies (credit decision level)
• Strong in oral communication, analytical and report writing skills
• Ability to effectively manage multiply priorities
• Sense of teamwork, cooperative, and adaptable to change.
• Ability to work under pressure and problem-solving abilities
• Excellent Excel skills
• Bachelor’s Degree
• Willing to work Nights and Weekends on a rotating shift basis

We consider as a plus:

• previous startup experience
• knowledge of the credit card or consumer finance industry in fintech