Senior Associate - Credit Analyst

Key Responsibilities:

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

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

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

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

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

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

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

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

Qualifications:

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

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

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  Strong understanding of credit scoring models and risk assessment methodologies.

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

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  Excellent analytical and problem-solving skills.

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

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

Preferred Qualifications:

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  Experience with SME lending, Business loans etc.

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  Familiarity with regulatory frameworks governing lending practices.

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