Credit Analyst at Digitvant Microfinance Bank

Job Summary

• The Credit Analyst will be responsible for evaluating credit data, assessing the creditworthiness of potential and existing clients, and making recommendations to support sound lending decisions.
• The ideal candidate will have strong analytical skills, a keen eye for detail, and experience in credit risk assessment.

Key Responsibilities

• Conduct thorough analysis of financial statements, credit reports, and other relevant data to assess risk.
• Review loan applications to determine eligibility and repayment potential.
• Recommend loan terms based on risk assessment.
• Monitor existing credit accounts to identify early warning signs of potential default.
• Prepare detailed credit reports and present findings to Management.
• Ensure compliance with company policies, regulatory requirements, and industry best practices.
• Collaborate with the recovery team to manage delinquent accounts.

Requirements

• Bachelor’s Degree in Accounting, Banking and Finance, Economics, or a related field.
• Minimum of 3 years' experience in credit analysis, preferably in a banking, fintech, or microfinance setting.
• Strong knowledge of credit risk principles, lending regulations, and financial analysis.
• Excellent analytical, problem-solving, and decision-making skills.
• Proficiency in Microsoft Excel and financial modeling tools.
• Strong attention to detail and accuracy.
• Good communication and report-writing skills.