Credit Analyst at The Startup Place Limited

Key Responsibilities

• Evaluate loan applications to determine credit risk using Shecluded’s policy framework.
• Oversee day-to-day disbursement and recovery operations, ensuring alignment with performance targets.
• Conduct business and guarantor visits as needed for loan verifications.
• Recommend loan approvals or rejections and clearly communicate reasons to applicants.
• Lead the implementation and refinement of credit risk strategies and performance objectives.
• Monitor and manage overdue balances, initiate follow-up communications, and support legal escalations when necessary.
• Prepare and present credit reports, risk analyses, and performance updates to management.
• Contribute to budgeting, financial reporting, and the enhancement of credit documentation processes.
• Identify patterns and trends in credit performance to inform data-driven decisions.
• Collaborate with customer support to ensure borrower satisfaction and resolution of loan issues.

Requirements

• 5+ years of hands-on experience in credit analysis, underwriting, or recovery within financial services or fintech.
• Strong understanding of credit portfolio management, loan analysis, and risk mitigation.
• Proven success managing disbursements, recoveries, and debt resolution.
• Excellent communication, negotiation, and customer service skills.
• Proficiency in Microsoft Office Suite; familiarity with credit tools or CRM software is a plus.
• Strong analytical and organizational skills, with keen attention to detail.
• Ability to work independently and handle multiple priorities effectively.