Credit Officer at Ascentech Services Limited

Summary

• Our client, a rapidly expanding Digital Bank, is seeking skilled and tech-savvy Credit Officers to join its innovative financial services team.
• The ideal candidates will be responsible for assessing loan applications, managing digital credit portfolios, and ensuring sound risk management practices while leveraging data-driven tools to enhance decision-making.

Responsibilities

• Evaluate digital loan applications using automated scoring models and perform detailed manual credit analysis when required.
• Review applicants’ financial data, transaction histories, and alternative credit data sources to assess creditworthiness.
• Recommend credit approvals or declines in line with internal policies and digital banking standards.
• Monitor loan performance on the bank’s digital platforms and proactively identify potential defaults or fraud risks.
• Collaborate with product and risk teams to improve credit processes and optimize lending solutions.
• Generate and present digital credit reports and insights to management.
• Ensure compliance with banking regulations, internal controls, and data protection standards.
• Maintain accurate digital records of credit decisions and customer interactions within the bank’s platform.

Qualifications

• Bachelor’s degree in Finance, Banking, Economics, Accounting, or related discipline.
• 1–3 years of experience as a Credit Officer, Credit Analyst, or Loan Officer, ideally within a fintech or digital banking environment.
• Strong understanding of credit risk assessment, loan underwriting, and digital lending models.
• Proficiency in using digital banking tools, credit scoring systems, and MS Office Suite.
• Excellent analytical, communication, and decision-making skills.
• Ability to work in a fast-paced, technology-driven banking environment.