Credit Operations Executive - Fintech

Company Name: Ninjacart

Job Title: Credit Operations Executive

Job Location: Kadubeesanahalli, Bangalore

Job Description

Ninjacart is looking for a Credit Operations Executive to evaluate loan applications, assess borrowers creditworthiness, identify financial risks, and support underwriting decisions in accordance with company credit policies.

Key Responsibilities

• Analyze financial statements, bank statements, credit bureau reports, GST, ITR, and business performance.

• Assess repayment capacity, cash flow, existing liabilities, and credit history.

• Recommend loan approvals, rejections, deviations, and credit limit modifications.

• Prepare credit notes, risk summaries, and underwriting reports.

• Ensure compliance with credit policies and regulatory requirements.

• Monitor portfolio performance and delinquency trends.

• Coordinate with Sales, Operations, Collections, Product, and Business teams.

• Maintain underwriting accuracy, productivity, and turnaround time (TAT).

• Identify opportunities to improve credit processes and operational efficiency.

Required Qualifications & Skills

• Bachelor’s/Master’s degree in Finance, Commerce, Economics, Business, or a related field.

• Experience in lending, underwriting, credit risk, or credit operations.

• Strong analytical and financial assessment skills.

Keywords

Credit Operations Executive, Credit Analyst, Credit Underwriting, Credit Risk Analyst, Lending Operations, Loan Assessment, Financial Analysis, Credit Risk Management, Fintech Jobs.