Credit Analyst

Key Responsibilities 1. Credit Underwriting & Risk Assessment  Evaluate loan applications for payday loans based on predefined credit policies.  Analyse applicant financials, credit history, repayment capacity, and risk indicators.  Approve or reject loan applications within assigned authority limits.  Develop risk-based decisioning frameworks for faster loan processing. 2. Policy & Process Management  Design, implement, and continuously improve credit policies for payday lending.  Ensure policies are compliant with regulatory guidelines applicable to NBFCs.  Monitor adherence to credit underwriting standards across the team. 3. Portfolio Monitoring & Risk Control  Track loan portfolio performance including delinquency, default rates, and roll rates.  Identify early warning signals and recommend corrective actions.  Optimize risk-return balance by adjusting credit filters and approval criteria. 4. Data Analysis & Reporting  Prepare regular MIS reports on credit performance, approval rates, and portfolio health.  Use data analytics to refine credit scoring models and improve decision accuracy.  Collaborate with data science teams (if applicable) for automated underwriting enhancements. 5. Fraud Detection & Prevention  Identify potential fraud patterns and implement preventive controls.  Work closely with operations and collections teams to minimize fraud losses. Key Requirements Experience:  experience in credit underwriting, preferably in NBFCs or fintech  Strong experience in unsecured lending / payday loans / microloans Skills & Competencies:  Strong analytical and decision-making skills  Knowledge of credit bureau data and scoring models  Familiarity with digital lending platforms and automated underwriting  Understanding of regulatory norms for NBFCs  High attention to detail and risk awareness

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