Credit Analyst

Overview

Fuku is hiring a Credit Analyst to assess the creditworthiness of individuals and businesses and support credit decisions and risk management.

What you'll do

• Analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses.
• Prepare detailed credit analysis reports and provide recommendations for credit approvals, renewals, or denials.
• Monitor and evaluate existing credit accounts to identify potential risks and ensure compliance with company policies and regulations.
• Collaborate with internal teams, including sales and underwriting, to structure credit solutions that align with client needs and company objectives.
• Stay updated on industry trends, economic conditions, and regulatory changes that may impact credit risk assessments.
• Assist in the development and implementation of credit policies and procedures to enhance risk management practices.
• Communicate credit decisions and findings to stakeholders in a clear and professional manner.
• Support the preparation of periodic credit risk reports for senior management and regulatory bodies.

What you'll need

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Proven experience as a Credit Analyst or in a similar role within the financial services industry.
• Strong analytical skills with the ability to interpret complex financial data and identify key risk factors.
• Proficiency in financial modeling, credit scoring, and risk assessment tools.
• Excellent written and verbal communication skills, with the ability to present findings and recommendations effectively.
• Detail-oriented with strong organizational and time management skills.
• Knowledge of relevant regulatory requirements and industry best practices in credit risk management.
• Proficiency in Microsoft Office Suite, particularly Excel, and familiarity with financial analysis software.

Nice to have

• Advanced degree or professional certification (e.g., CFA, CPA).

Details

• Location: Bengaluru, Karnataka, India.