Credit Analyst

Job Description – Credit Analyst

Position: Credit Analyst
Industry: NBFC / Payday Loans / Short-Term Personal Loans
Experience: 1–3 Years
Location: Gurugram
Employment Type: Full-time

Job Summary

We are looking for a Credit Analyst to evaluate loan applications and assess the creditworthiness of customers applying for short-term/payday loans. The candidate will review customer information, credit bureau reports, income details and repayment capacity to make accurate and timely credit decisions as per company policy.

Key Responsibilities

• Review and assess customer loan applications for short-term/payday loans.

• Verify customer details, employment/income information and supporting documents.

• Analyse CIBIL/Experian/Equifax/CRIF credit bureau reports.

• Check credit history, existing loans, repayment behaviour, overdue accounts and recent enquiries.

• Assess the customer's repayment capacity and existing financial obligations.

• Review bank statements and income documents, where required.

• Approve, reject or refer applications based on the company's credit policy and eligibility criteria.

• Identify customers with high credit risk, over-leverage, poor repayment history or suspicious information.

• Escalate unusual or high-risk cases to the Credit Manager.

• Maintain accurate records of credit decisions and supporting documents.

• Ensure all applications are processed within the defined turnaround time.

• Coordinate with Operations, Sales, Verification, Collections and Risk teams when required.

• Follow company credit policies, KYC requirements and applicable lending guidelines.

Required Skills

• Basic understanding of credit analysis and consumer lending.

• Good knowledge of credit bureau reports.

• Understanding of income, expenses, existing liabilities and repayment capacity.

• Good analytical and numerical skills.

• Strong attention to detail.

• Ability to identify discrepancies and potential credit risks.

• Good knowledge of MS Excel.

• Good communication and decision-making skills.

• Ability to work in a target-driven and high-volume environment.
  
  

• It is a Full Time Telesales / Telemarketing job for candidates with 6 months - 2 years of experience.