Credit Officer

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis and assessments to determine client creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential credit risks. Monitor and manage credit portfolios to ensure compliance with regulatory requirements. Provide expert guidance on credit-related matters to internal stakeholders. Analyze market trends and competitor activity to inform credit decisions. Job Requirements Strong understanding of credit principles, including credit scoring and risk modeling. Excellent analytical and problem-solving skills, with attention to detail and the ability to interpret complex data. Effective communication and interpersonal skills, with the ability to build strong relationships with clients and colleagues. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Proficiency in financial software and systems, with experience in credit management and portfolio monitoring. Strong knowledge of regulatory requirements and industry standards related to credit lending.