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Group Surya
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Credit Analyst

Credit Analyst

Group Surya

5 years

0 Lacs

Bhubaneswar Odisha India

Posted:7 hours ago| Platform:

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Skills Required

creditworthiness data lending portfolio risk analyze reports scoring compliance support automation digitization evaluation finance assessment excel reporting communication report writing underwriting

Work Mode

On-site

Job Type

Full Time

Job Description

Job Title:

Department:

Company:

Location:

Employment Type:

Role Overview

Credit Analyst

Key Responsibilities

Analyze credit data, financial statements, and other relevant information to determine borrower risk profiles.
Assess loan applications, repayment capacity, and credit history in line with company policies.
Conduct due diligence on individuals, SMEs, and other borrower categories.
Prepare detailed credit appraisal reports and recommendations for approval/rejection.
Monitor existing loan accounts and identify early warning signals of stress.
Collaborate with business and risk teams to develop credit scoring models and lending frameworks.
Ensure compliance with RBI guidelines, internal credit policies, and P2P lending regulations.
Support automation and digitization of credit evaluation processes.
Provide insights for portfolio performance improvement and risk minimization.

Qualifications & Skills

Bachelor’s/Master’s degree in Finance, Commerce, Economics, or related field.
2–5 years of experience as a Credit Analyst in NBFC, Bank, Fintech, or P2P lending platform.
Strong understanding of credit risk assessment, financial ratios, and lending practices.
Familiarity with RBI NBFC/P2P guidelines.
Excellent analytical, problem-solving, and decision-making skills.
Proficiency in MS Excel, MIS reporting, and credit evaluation tools.
Strong communication and report-writing skills.

Preferred Background

Experience in retail lending, SME lending, or P2P fintech credit evaluation.
Exposure to credit underwriting and digital credit scoring systems.

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