Senior Credit Analyst

Role & responsibilities

• Perform comprehensive credit analyses to evaluate the creditworthiness of potential borrowers.
• Evaluate financial statements, credit bureau reports, and supporting documents to determine lending risk exposure.
• Review financial statements, key ratios, and trends to identify anomalies, red flags, and potential risks.
• Draft detailed credit appraisal notes and recommend suitable credit limits, pricing, and loan terms.
• Collaborate with internal teams to review loan applications and maintain strict adherence to lending policies and regulatory standards.
• Continuously track the credit portfolio to identify emerging risk drivers, early warning signals, and growth opportunities.
• Recommend actionable strategies to optimize credit risk assessment methodologies and risk governance.
• Stay current on market trends, macroeconomic conditions, and regulatory shifts impacting credit risk.
• Maintain open communication with borrowers, offering ongoing support and guidance throughout the loan lifecycle.
• Ensure target portfolio IRRs are met and maintained using risk-based pricing models.
• Monitor portfolio delinquency trends and default patterns using predictive models and quantitative risk metrics.
• Partner with cross-functional teams (Product, Collections, Sales, Operations) to automate credit workflows by developing decision logics for scorecards and loan eligibility calculators.

Preferred candidate profile

• 3+ years of core experience in credit underwriting and financial statement analysis within a Bank, NBFC, Fintech, or Big 4 firm Consulting firms.
• Cleared CFA Level 1 or Level 2, with strong analytical capabilities and financial acumen.
• Excellent verbal and written communication skills to articulate credit assessments and collaborate effectively across teams.