Key Responsibilities:

• Credit Evaluation: Analyse applicants' financial information, credit history, and other relevant data to assess their creditworthiness for loan applications.
  

• Risk Assessment: Identify and evaluate potential risks associated with loan approvals and recommend appropriate actions.
  

• Data Analysis: Utilize advanced analytics to interpret data trends and insights, providing actionable recommendations to improve loan performance.
  

• Reporting: Prepare comprehensive credit analysis reports for internal stakeholders, highlighting key findings and recommendations.
  

• Collaboration: Work closely with sales teams to understand customer profiles and ensure alignment with credit policies.
  

• Policy Compliance: Ensure adherence to company credit policies and regulatory requirements, updating them as necessary based on market changes.
  

• Client Interaction: Communicate effectively with clients regarding credit decisions and provide guidance on improving credit profiles when needed.
  

• Continuous Improvement: Stay updated on industry trends, emerging risks, and best practices in credit analysis to enhance processes and methodologies.
  

Qualifications:

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

• Proven experience in credit analysis, preferably in a fintech or banking environment.
  

• Strong understanding of credit scoring models and risk assessment methodologies.
  

• Proficiency in data analysis tools and software (e.g., Excel, SQL, Tableau).
  

• Excellent analytical and problem-solving skills.
  

• Strong communication and interpersonal skills, with the ability to convey complex information clearly.
  

• Detail-oriented with strong organizational skills and the ability to manage multiple tasks.
  

Preferred Qualifications:

• Experience with SME lending, Business loans etc.
  

• Familiarity with regulatory frameworks governing lending practices.
  

• Professional certifications (e.g., CFA, FRM) are a plus.