Credit Review Officer

Job Title: Credit Review Officer

Company Overview:

Ecolink is a fast-growing Chinese fintech and consumer financing company that has successfully expanded its operations across multiple markets and is now building its presence in Pakistan. We make smartphone ownership accessible through flexible installment solutions by combining technology, data, retail partnerships, and finance. Our mission is to bridge the digital divide and provide consumers with affordable access to mobile devices and digital financial services.

Job Overview:

We are seeking a detail-oriented Credit Review Officers to assess and monitor credit exposures, evaluate the creditworthiness of customers, and ensure compliance with the organization's credit policies and risk management guidelines.

Key Responsibilities:

• To review and assess credit proposals and approve the loans independently.
• To evaluate borrower financials, creditworthiness, repayment capacity and risk.
• To analyze loan structures, collateral adequacy, and compliance with internal credit policies.
• To recommend approval, modification, or decline of credit facilities with clear justifications.
• To work closely with business, credit risk and recovery teams to ensure balanced risk-return decisions.
• To provide feedback and guidance to relationship managers to improve credit underwriting quality.

Skills & Expertise: Credit Analysis, Risk Assesment; Decision Making

Qualifications:

• Bachelor's or Master's degree in Finance, Accounting, Business Administration, or a related field.
• Minimum 6 months to 1 year of relevant work experience.
• The applicants should have experience in the following business area(s): Banks, BPO/ Data Entry Firm, Call Center, Credit Rating Agency, Financial Technology (Fintech) Startup, Micro-Credit, Telecommunication
• Freshers are also encouraged to apply.

Pay: Rs50,000.00 - Rs65,000.00 per month

Work Location: In person