Credit Analyst

A credit analyst evaluates the creditworthiness of individuals, businesses, or organizations to determine how likely they are to repay loans or meet financial obligations. Here's a breakdown of what a credit analyst typically does:

1.Credit Analysis: Evaluate credit applications and financial statements of potential borrowers

to determine their creditworthiness. This involves assessing factors such as payment

history, income, debt levels, and collateral.

2. Risk Assessment: Analyze and quantify credit risk associated with different types of

customers and transactions. The credit manager will decide the credit limit and interest

rates applicable to individual clients based on their risk profile.

3. Credit Policy Development: Develop and update credit policies and guidelines to maintain a

balance between revenue generation and risk management. These policies must comply

with regulatory requirements and industry standards.

4. Credit Decision Making: Make informed and sound credit decisions, including approving or

denying credit applications. The credit manager may also recommend alternative credit

structures or mitigating measures for higher-risk borrowers.

5. Monitoring and Collections: Monitor the credit portfolio regularly to identify potential credit

issues and proactively address delinquent accounts. The credit manager oversees

collections activities to ensure timely recovery of outstanding debts.

6. Compliance and Reporting: Ensure compliance with applicable laws and regulations

governing lending and credit practices. The credit manager is responsible for generating

credit-related reports for management and regulatory purposes.

7. Relationship Management: Build and maintain strong relationships activities to ensure

timely recovery of outstanding debts. FINTECH with clients, credit bureaus, banks, and

other stakeholders. Effective communication and negotiation skills are essential for

managing customer expectations and resolving credit-related matters.

8. Team Management: If overseeing a team, the credit manager will recruit, train, and

supervise credit analysts and other staff. They must provide guidance and support to team

members to ensure effective credit management practices.

9. Continuous Improvement: Stay updated on industry trends, risk management techniques,

and technological advancements in credit assessment and monitoring. Implement

improvements to streamline credit processes and enhance overall efficiency.

• It is a Full Time Sales / Business Development job for candidates with 1 - 5 years of experience.

More about this Credit Analyst job

1. What is the eligibility criteria to apply for this Credit Analyst job?
   Ans: The candidate should be Graduate and above and above with 1 - 5 years of experience of experience
2. How much salary can I expect for this job role?
   Ans: You can expect a salary of ₹20000 - ₹30000 per month that depends on your interview. It's a Full Time job in Noida.
3. How many working days are there for this Credit Analyst job?
   Ans: This Credit Analyst job will have 6 working days.
4. Are there any charges applicable while applying or joining this Credit Analyst job?
   Ans: No, there is no fee applicable for applying this Credit Analyst job and during the employment with the company, i.e., F2 FINTECH PRIVATE LIMITED.
5. Is it a work from home job?
   Ans: No, it’s not a work from home job and can't be done online.
6. How many openings are there for this Credit Analyst role?
   Ans: There is an immediate opening of 2 Credit Analyst at F2 FINTECH PRIVATE LIMITED
7. Who can apply for this job?
   Ans: Both Male and Female candidates can apply for this Sales / Business Development job.
8. What are the timings of this Credit Analyst job?
   Ans: This Credit Analyst job has 09:00 AM - 06:00 PM timing.