credit consultant

ProClink

<div><div>Job Title: Credit Risk Consultant (Data Analytics)</div><div>
Experience: Minimum 5+ years of relevant experience in credit risk analytics, preferably within lending.</div><div></div><div>
About the Role</div><div>
We are looking for an experienced Credit Risk Consultant to join our analytics team and work closely with clients across the customer lifecycle. This role sits at the intersection of business, risk, and data, requiring strong functional expertise, hands-on technical skills, and the ability to translate analytics into actionable business insights.</div><div>
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Key Responsibilities</b></div><ul><li>Act as a subject-matter expert for risk analytics, underwriting, and portfolio management.</li><li>Partner with clients to understand business objectives and translate them into analytics-driven credit risk solutions.</li><li>Design, review, and enhance credit risk strategies including:</li></ul><div>
o Acquisition &amp; underwriting</div><div>
o Credit line assignment and management</div><div>
o Pricing and risk-based segmentation</div><ul><li>Analyze large datasets to identify trends, risks, and opportunities, and communicate insights clearly to both technical and non-technical stakeholders.</li><li>Support model performance monitoring, validation, and ongoing optimization.</li><li>Collaborate with data scientists, engineers, and business teams to ensure end-to-end delivery of analytics solutions.</li><li>Create clear documentation, presentations, and client-ready materials.</li></ul><div></div><div><b>
Required Skills &amp; Qualifications</b></div><div>
1. Functional Knowledge</div><ul><li>Strong understanding of credit risk management concepts and frameworks.</li><li>Hands-on experience with underwriting, risk policy, and portfolio analytics.</li><li>Knowledge of key risk metrics such as approval rates, delinquency, roll rates, charge-offs, and vintage analysis.</li></ul><div>
2. Business Understanding</div><ul><li>Deep understanding of how lending products work in the analytics ecosystem, including customer lifecycle, profitability drivers, and risk-reward trade-offs.</li><li>Experience working with credit bureau data, transaction data, and customer behavior data.</li><li>Ability to align risk strategies with business growth, customer experience, and regulatory considerations.</li></ul><div>
3. Technical Skills</div><ul><li>Strong proficiency in SQL for data extraction and analysis.</li><li>Experience with Python, R, or SAS for analytics and modeling.</li><li>Comfortable working with large datasets and analytics platforms.</li><li>Experience with dashboards or visualization tools (e.g., Power BI, Tableau) is a plus.</li></ul><div>
4. Communication &amp; Consulting Skills</div><ul><li>Excellent verbal and written communication skills.</li><li>Ability to explain complex analytical concepts in a simple, business-friendly manner.</li><li>Proven experience working in client-facing or stakeholder-heavy environments.</li><li>Strong presentation and storytelling skills using data.</li></ul><div>
5. Willingness to work in US time shift</div><div>
Nice to Have</div><ul><li>Experience in data analytics, consulting, or fintech environment.</li><li>Exposure to regulatory frameworks related to consumer credit.</li><li>Prior experience working with global or large-scale lending portfolios.</li></ul><div>
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What We Offer</div><ul><li>Opportunity to work on high-impact analytics problems.</li><li>Exposure to leading financial institutions and innovative analytics solutions.</li><li>Collaborative, data-driven culture with strong learning opportunities.</li><li>Competitive compensation and growth potential.</li></ul></div>

Credit Risk Consultant

Mastercard

<div><p><b>Our Purpose</b></p><p></p><p><i>
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we&rsquo;re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.</i></p><p></p><p><b>
Title and Summary</b></p><p></p>
Managing Consultant &ndash; Credit Risk Specialist, Advisors &amp; Consulting Services<p></p>
Managing Consultant &ndash; Credit Risk Specialist
<br>
Advisors &amp; Consulting Services<br>
<br>
Services within Mastercard is responsible for acquiring, engaging, and retaining customers by managing fraud and risk, enhancing cybersecurity, and improving the digital payments experience. We provide value-added services and leverage expertise, data-driven insights, and execution. Our Advisors &amp; Consulting Services team combines traditional management consulting with Mastercard&rsquo;s rich data assets, proprietary platforms, and technologies to provide clients with powerful strategic insights and recommendations. Our teams work with a diverse global customer base across industries, from banking and payments to retail and restaurants.<br>
<br>
The Advisors &amp; Consulting Services group has five specializations: Strategy &amp; Transformation, Performance Analytics, Business Experimentation, Marketing, and Program Management. Our Strategy &amp; Transformation consultants lead clients through impactful decision-making as they tackle strategic, tactical, operational, and transformational business challenges. They apply a broad set of problem-solving techniques to improve the client&rsquo;s overall strategy, performance, and operations.<br>
<br>
Positions for different specializations and levels are available in separate job postings. Please review our consulting specializations to learn more about all opportunities and apply for the position that is best suited to your background and experience: https://careers.mastercard.com/us/en/consulting-specializations-at-mastercard
<br>
<br>
Role Description and Major Responsibilities<br>
<br>
<ul><li>Responsible for delivering top quality work as a subject matter expert in credit risk.</li><li>Rigorously and logically identify issues covering entire client problems in credit risk, analytics, risk policy benchmarks, risk scorecards etc.</li><li>Generate key hypotheses and independently structures work at the stream or project level</li><li>Synthesize analyses into clear, sound recommendations
</li><li>Identify creative and useful additional analyses required and suggest new paradigms for recommendations</li><li>Create effective, impactful and quality assured storylines and slides at stream or project level</li><li>Participate in recruiting, training, and developing others, as requested</li><li>Develop effective working relationships with mid- to senior-level client management</li><li>Independently assess client agenda, internal culture and change readiness.</li><li>Work closely with Regional Lead Credit Practice Lead to grow the credit risk practice involving creation of new solutions, creation of blue book for credit risk, involvement in BD support etc.</li></ul><br>
Qualifications<br>
<br>
Basic qualifications<br>
<ul><li>Undergraduate degree with work experience in retail bank with significant experience in credit risk, collections, authorizations, analytics etc.</li><li>Managing Card Management Systems including subsystems such as Fraud Detection Systems, Database Marketing Tools, Workflow systems etc.</li><li>Experience coaching and managing teams across multiple consulting engagements that involve structured problem solving and stakeholder management</li><li>Experience managing key client relationships
</li><li>Knowledge of business KPIs, financials, and organizational leadership</li><li>Ability to identify new business development opportunities, and experience drafting proposals and scoping new opportunities</li><li>Logical, structured thinking, and affinity for numerical analysis</li><li>Advanced Word, Excel, and PowerPoint skills</li><li>Ability to manage multiple tasks and clients in a fast-paced, deadline-driven environment</li><li>Ability to communicate effectively in English and Arabic</li><li>Eligibility to work in the country where you are applying, as well as apply for travel visas as required by travel needs</li><li>Ability to travel to client sites on a semi-regular basis</li></ul><br>
Preferred qualifications<br>
<ul><li>Work experience in consulting, corporate strategy, business intelligence, business line management, or product management</li><li>Programming skills including prior experience of scorecard build
</li><li>Experience coaching and managing teams across multiple co</li><li>Experience generating new knowledge or creating innovative solutions for a firm</li><li>MBA or master&rsquo;s degree</li></ul><p></p><p><b>
Corporate Security Responsibility</b></p><p><br>
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:</p><ul><li><p>
Abide by Mastercard&rsquo;s security policies and practices;</p></li><li><p>
Ensure the confidentiality and integrity of the information being accessed;</p></li><li><p>
Report any suspected information security violation or breach, and</p></li><li><p>
Complete all periodic mandatory security trainings in accordance with Mastercard&rsquo;s guidelines.</p></li></ul></div><p></p>

Managing Consultant – Credit Risk Specialist, Advisors & Consulting Services

Cardinal Health

<div><p><b><i>What Credit contributes to Cardinal Health</i></b><br>
Finance oversees the accounting, tax, financial plans and policies of the organization, establishes and maintains fiscal controls, prepares and interprets financial reports, oversees financial systems and safeguards the organization's assets.<br>
<br>
Credit is responsible for managing Cardinal Health's trade and note receivables including performing credit underwriting, establishing bad debt reserves, managing customer relationships, collaborating with the sales and collections teams, managing credit risk for the company, and administering credit policies and standards.</p><p></p><p><b><i>
Job Summary</i></b></p><p>
The Credit Advisor is responsible for evaluating, structuring, and monitoring commercial credit exposure across a complex B2B portfolio. This role focuses on underwriting discipline, contract evaluation, portfolio analytics, and cross-functional risk alignment (not collections execution). This role partners closely with Sales, Finance, Legal, Contracting, and Operations to ensure credit decisions align with risk appetite, compliance standards, and working capital objectives.</p><p></p><p><b><i>
Responsibilities</i></b></p><ul><li><b>
Commercial Credit Underwriting</b><ul><li>
Perform in-depth financial statement analysis (GAAP and tax basis)</li><li>
Evaluate liquidity, leverage, profitability, and cash flow adequacy</li><li>
Assess debt capacity, covenant sensitivity, and stress scenarios</li><li>
Assign internal risk ratings and recommend credit limits</li><li>
Conduct periodic portfolio reviews and risk migration analysis</li></ul></li><li><b>
Contract &amp; Compliance Evaluation</b><ul><li>
Review customer agreements and contract terms for credit risk implications</li><li>
Assess payment terms, pricing structure, rebate exposure, and compliance risk</li><li>
Ensure alignment with internal risk policy and SOX control requirements</li><li>
Partner with Legal and Contracting on risk-sensitive structures</li></ul></li><li><b>
Portfolio Risk &amp; Order-to-Cash Integration</b><ul><li>
Monitor exposure across business units</li><li>
Analyze aging trends, DSO impact, and working capital risk</li><li>
Evaluate cross-segment exposure visibility</li><li>
Support structured credit decision documentation</li><li>
Provide portfolio-level reporting and executive-ready summaries</li></ul></li><li><b>
Cross-Functional Collaboration</b><ul><li>
Partner with Sales leadership to structure appropriate credit solutions</li><li>
Work closely with Finance, Treasury, and Operations on exposure monitoring</li><li>
Participate in customer-level risk discussions and strategic planning</li><li>
Support continuous improvement in credit governance processes</li></ul></li></ul><p></p><p><b><i>
Qualifications</i></b></p><ul><li>
Bachelor's degree in related field, or equivalent work experience, preferred</li><li>
4-6 years of commercial underwriting experience within banking, manufacturing, or B2B distribution industry, preferred</li><li>
Strong understanding of financial statement analysis, credit structuring and risk rating methodology</li><li>
Familiarity with Order-to-Cash workflows and portfolio analytics, preferred</li><li>
Experience with MS Excel</li><li>
Strong executive communication skills</li><li>
Experience supporting compliance and contract risk evaluation, preferred</li><li>
SAP experience, strongly preferred</li><li>
Exposure to healthcare or regulated industries, preferred</li><li>
Experience working within multi-entity or multi-business-unit structures, preferred</li><li>
Portfolio stress testing and exposure aggregation analysis, preferred</li><li>
Experience working cross-functionally across Finance, Legal, and Sales, preferred</li></ul><p></p><p><b><i>
What is expected of you and others at this level</i></b></p><ul><li>
Applies comprehensive knowledge and a thorough understanding of concepts, principles, and technical capabilities to perform varied tasks and projects</li><li>
May contribute to the development of policies and procedures</li><li>
Works on complex projects of large scope</li><li>
Develops technical solutions to a wide range of difficult problems</li><li>
Solutions are innovative and consistent with organization objectives</li><li>
Completes work; independently receives general guidance on new projects</li><li>
Work reviewed for purpose of meeting objectives</li><li>
May act as a mentor to less experienced colleagues</li></ul><p></p><p><b>
Anticipated salary range:</b> $67,500-$96,300</p><p><b>
Bonus eligible:</b> No</p><p><b>
Benefits:</b> Cardinal Health offers a wide variety of benefits and programs to support health and well-being.</p><ul><li><p>
Medical, dental and vision coverage</p></li><li><p>
Paid time off plan</p></li><li><p>
Health savings account (HSA)</p></li><li><p>
401k savings plan</p></li><li><p>
Access to wages before pay day with myFlexPay</p></li><li><p>
Flexible spending accounts (FSAs)</p></li><li><p>
Short- and long-term disability coverage</p></li><li><p>
Work-Life resources</p></li><li><p>
Paid parental leave</p></li><li><p>
Healthy lifestyle programs</p></li></ul><p></p><p><b>
Application window anticipated to close:</b> 04/24/2026 *if interested in opportunity, please submit application as soon as possible.</p><p></p><p>
The salary range listed is an estimate. Pay at Cardinal Health is determined by multiple factors including, but not limited to, a candidate&rsquo;s geographical location, relevant education, experience and skills and an evaluation of internal pay equity.</p><p></p><p>
 #LI-Remote</p><p>
#LI-SP1</p><p><i>
Candidates who are back-to-work, people with disabilities, without a college degree, and Veterans are encouraged to apply.</i></p>
<p><i>Cardinal Health supports an inclusive workplace that values diversity of thought, experience and background. We celebrate the power of our differences to create better solutions for our customers by ensuring employees can be their authentic selves each day. Cardinal Health is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, ancestry, age, physical or mental disability, sex, sexual orientation, gender identity/expression, pregnancy, veteran status, marital status, creed, status with regard to public assistance, genetic status or any other status protected by federal, state or local law.</i></p></div>

Credit Advisor

OKU Hotels

<div><h2 class="jobSectionHeader"><b>Description:</b></h2>
<p></p><p><b>At OKU,</b> we are committed to sourcing the best of local and international talent to cultivate our reputation for excellence. We are currently looking for a Credit / Income Audit to join our team at our new hotel in Bodrum, Turkey.
</p><p>
This role presents an exciting opportunity to be part of a prestigious and rapidly growing hotel &amp; lifestyle brand. As a Credit / Income Audit, you will play a critical role in overseeing the hotel&rsquo;s revenue records, financial transactions, and credit operations, ensuring smooth financial processes and compliance with accounting standards.
</p><p>
You will be working from OKU&rsquo;s newest luxurious location, opening in May 2026 in Bodrum, Turkey. This hands-on role invites the candidate to become part of an award-winning brand recognized for its commitment to quality and excellence.
</p><p><b>
ABOUT OKU
</b></p><p>
&lsquo;<b>OKU</b>&rsquo; is derived from the Japanese spiritual and architectural concept meaning &lsquo;inner space.&rsquo; OKU Hotels is a boutique collection of soulfully curated, laidback luxury hotels designed for the modern traveller. Each property is carefully crafted with barefoot luxury, local connections, and slow living at heart.
</p><p>
Headquartered in London, OKU Hotels currently operates in Ibiza and Kos, with confirmed expansions in T&uuml;rkiye and Spain. Over the next five years, OKU aims to own and/or operate over ten unique properties in captivating destinations worldwide.
</p><p><b>
RESPONSIBILITIES OF THE ROLE
</b></p><p>
As a Revenue Supervisor:
</p><ul><li>Review and verify end-of-day revenue and sales records, ensuring accurate reporting.
</li><li>Prepare and distribute the Daily Revenue Report to relevant departments each morning.
</li><li>Monitor revenue reports from various hotel departments, such as Food &amp; Beverage, SPA, events, and accommodations.
</li><li>Verify financial records such as credit card slips, cash payments, and gift vouchers.
</li><li>Ensure accurate revenue recording across all hotel services, including room revenues, F&amp;B income, banqueting, wellness, and other services.
</li><li>Process and review rebates, discounts, and cash payouts in compliance with financial policies.
</li><li>Maintain daily operational financial records and ensure correct input into the accounting system.
</li><li>Prepare financial reconciliation reports and ensure month-end closings are completed accurately.
</li></ul><p>
As a Credit Supervisor:
</p><ul><li>Monitor daily credit card transactions and ensure proper accounting entry.
</li><li>Track credit card payments, hold periods, and ensure timely reconciliations.
</li><li>Oversee EFT-POS machine operations, resolving technical issues and assisting departments with their requests.
</li><li>Verify and process credit card pre-authorization cancellations from the front office.
</li><li>Investigate guest credit disputes, liaise with departments, and ensure timely resolution.
</li><li>Perform account reconciliations and prepare monthly credit reports.
</li><li>Assist in preparing BS tax lists for government reporting.
</li><li>Ensure all financial documents are properly recorded and archived.
</li></ul><p><b>
CANDIDATE REQUIREMENTS
</b></p><ul><li>Minimum 3 years of experience in hotel accounting, finance, or revenue management.
</li><li>Strong knowledge of financial reporting, revenue auditing, and credit operations.
</li><li>Detail-oriented, analytical mindset with excellent problem-solving skills.
</li><li>Proficiency in Microsoft Office and hotel accounting software (Opera, Micros, etc.).
</li><li>Strong teamwork and communication skills.
</li><li>Experience in a luxury or lifestyle hotel environment is preferred.
</li><li>Basic proficiency in English is an advantage.
</li></ul><p><b>
TECHNICAL AND BEHAVIORAL COMPETENCIES
</b></p><ul><li>Ability to handle multiple financial tasks while ensuring accuracy.
</li><li>Strong organizational and time management skills.
</li><li>Ability to work under pressure and meet deadlines.
</li><li>Excellent attention to detail in financial records, audits, and reconciliations.
</li><li>Full compliance with hotel policies, financial regulations, and industry standards.</li></ul></div><p></p>

OKU Bodrum- Credit / Income Audit

Magnet

<div>
 <p>
  <strong>
   Employer Overview
  </strong>
 </p>
 <p>
  A leading governmental financial institution operating within the corporate and business banking sector, providing a comprehensive range of financial solutions to corporate clients. The organization emphasizes strong client relationships, risk management excellence, and continuous professional development.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Job Summary
  </strong>
 </p>
 <p>
  The role supports Relationship Managers in managing corporate client portfolios through credit analysis, account planning, and ongoing client reviews. The position plays a key role in ensuring efficient execution of transactions, accurate financial analysis, and coordinated service delivery across internal stakeholders.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Responsibilities
  </strong>
 </p>
 <ul>
  <li>
   Support Relationship Managers in preparing and completing credit memos, including drafting the main body and performing financial analysis.
  </li>
  <li>
   Collect, analyze, and validate financial data, coordinating with relevant departments as required.
  </li>
  <li>
   Assist in the preparation and execution of client account plans in collaboration with product factories.
  </li>
  <li>
   Conduct ad-hoc financial and profitability analysis for portfolio monitoring and management requests.
  </li>
  <li>
   Support the launch and completion of annual client reviews, identifying potential areas for improvement.
  </li>
  <li>
   Coordinate with credit support services, operations, and other internal teams to ensure timely execution of transactions and administrative activities.
  </li>
  <li>
   Manage administrative processes such as account opening and closing, amendments, transfers, KYC documentation, and regular payment coordination.
  </li>
  <li>
   Participate in selected client interactions under the guidance of Relationship Managers.
  </li>
  <li>
   Continuously develop technical knowledge and skills to support career growth within the corporate banking division.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Minimum Requirements
  </strong>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree in Business Administration, Finance, Economics, or a relevant field.
  </li>
  <li>
   0 to 4 years of relevant experience in corporate banking, credit analysis, or a related financial services role.
  </li>
  <li>
   Strong problem-solving and analytical thinking skills.
  </li>
  <li>
   High attention to detail and accuracy.
  </li>
  <li>
   Ability to understand and respond to specific client needs.
  </li>
  <li>
   Effective communication and coordination skills.
  </li>
  <li>
   Strong organizational and time management abilities.
  </li>
  <li>
   Knowledge of business and corporate banking products, including lending, cash management, FX, treasury, and investment banking.
  </li>
  <li>
   Understanding of credit risk policies and facility structuring.
  </li>
  <li>
   Ability to perform financial analysis and interpret financial statements.
  </li>
  <li>
   General understanding of economic, political, and business environments within the region.
  </li>
  <li>
   Proficiency in Microsoft Office applications, particularly Excel and PowerPoint.
  </li>
  <li>
   Ability to work efficiently with internal banking systems and financial analysis tools.
  </li>
  <li>
   Fluent in both written and spoken in English.
  </li>
  <li>
   Ability to work collaboratively across multiple internal departments.
  </li>
  <li>
   Capacity to manage multiple tasks and meet deadlines in a fast-paced environment.
  </li>
  <li>
   Willingness to learn and grow within the corporate banking division.
  </li>
  <li>
   Credit-related certification is preferred.
  </li>
 </ul>
</div>


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