Senior Credit and Risk analyst

FlapKap; Mumbai; Hybrid; INR 900,000 - 1,300,000; Full time

Benefits offered by this job

Competitive Salaries

Private Health Insurance

Collaborative team environment

Work From Home

Training & Development

Performance Bonus

Job summary

A financial services company in Mumbai is seeking a Credit Analyst to conduct detailed financial analysis and assess the creditworthiness of individuals and businesses. Candidates should possess strong analytical and communication skills, and be proficient in financial analysis tools. This role offers competitive salaries, private health insurance, and opportunities for training and development, including work-from-home arrangements.

Qualifications

• Strong analytical skills with the ability to analyze complex financial data.
• Knowledge of credit risk assessment and industry best practices.
• Ability to present financial information clearly and concisely.
• Strong written and verbal communication skills.
• Detail-oriented with high accuracy in interpreting financial data.
• Ability to manage multiple priorities in a fast-paced environment.
• Strong interpersonal skills for relationships with clients and internal stakeholders.
• Sound judgment in risk assessment and recommendations.
• Proficient in MS Office, especially Excel, for reporting.

Responsibilities

• Conduct thorough analysis of financial statements and credit reports.
• Evaluate the financial health of borrowers.
• Prepare detailed credit reports and summaries.
• Monitor and manage credit exposure of borrowers.
• Stay updated on industry trends and regulatory changes.

Skills

Strong analytical and problem-solving skills

In-depth knowledge of financial analysis techniques

Proficient in using financial analysis software

Excellent written and verbal communication skills

Attention to detail

Ability to work independently

Strong interpersonal skills

Sound judgment and decision-making abilities

Proficient in Microsoft Office Suite

Tools

Excel

Job description

Responsibilities

• Conduct thorough analysis of financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses
• Evaluate the financial health of borrowers by analyzing their income, debt levels, and liquidity
• Assess the risk associated with extending credit and make recommendations for credit approvals or rejections
• Prepare detailed credit reports and summaries for internal and external stakeholders
• Monitor and manage the credit exposure of existing borrowers by reviewing financial statements and conducting periodic risk assessments
• Stay updated on industry trends, economic indicators, and regulatory changes that may impact credit risk
• Collaborate with other departments, such as sales and underwriting, to gather and analyze necessary information for credit evaluations
• Provide guidance and support to junior credit analysts in their analysis and decision-making processes
• Develop and maintain relationships with clients, ensuring clear communication and understanding of credit terms and conditions
• Assist in the development and implementation of credit policies, procedures, and risk assessment models to improve overall credit management

Requirements

• Strong analytical and problem-solving skills, with the ability to analyze complex financial data and draw accurate conclusions
• In-depth knowledge of financial analysis techniques, credit risk assessment, and industry best practices
• Proficient in using financial analysis software and tools
• Excellent written and verbal communication skills, with the ability to present complex financial information in a clear and concise manner
• Attention to detail and high level of accuracy in analyzing and interpreting financial data
• Ability to work independently and manage multiple priorities in a fast-paced, deadline-driven environment
• Strong interpersonal skills, with the ability to build and maintain effective relationships with clients and internal stakeholders
• Sound judgment and decision-making abilities, with the ability to assess risks and make recommendations accordingly
• Proficient in Microsoft Office Suite, particularly Excel, for financial analysis and reporting purposes
• Strong ethical standards and adherence to confidentiality requirements

Benefits

• Competitive Salaries
• Private Health Insurance
• A highly collaborative team environment that will support your professional and personal growth
• Work From Home
• Training & Development
• Performance Bonus