Credit Operations Analyst Job in Bengaluru at Smartcoin Financials

Smartcoins Financials is hiring for the role of Credit Operations Analyst!

Responsibilities of the Candidate:

• Conduct thorough credit assessments to evaluate the creditworthiness of loan applicants.
• Review and analyze personal loan applications, assessing financial statements, credit reports, and cash flow projections.
• Utilize advanced credit scoring models and strategies for informed decision-making.
• Identify and evaluate potential risks in loan applications and develop effective risk mitigation Insights.
• Recommend appropriate loan terms and conditions, ensuring alignment with Olyv’s risk policies.
• Make timely and well-justified decisions on loan approvals, declines, and counter-offers.
• Collaborate with risk and tech teams to support credit decisions and troubleshoot technical issues.
• Stay updated with the latest industry trends, regulatory changes, and best practices in credit risk assessment.
• Propose innovative process improvements to enhance credit assessment procedures.
• Prepare detailed reports on credit portfolio performance, delinquencies, and risk exposure for management insights.

Requirements:

• You have 0.6 to 1 years of experience in credit operations or underwriting.
• You hold a graduate degree.
• You possess expertise in underwriting, and secured/unsecured loans, and have proficiency in Excel and basic SQL.
• Preferred: Experience in lending and portfolio management strategies.