Key Responsibilities:
Credit Evaluation: Analyse applicants' financial information, credit history, and other relevant data to assess their creditworthiness for loan applications.
Risk Assessment: Identify and evaluate potential risks associated with loan approvals and recommend appropriate actions.
Data Analysis: Utilize advanced analytics to interpret data trends and insights, providing actionable recommendations to improve loan performance.
Reporting: Prepare comprehensive credit analysis reports for internal stakeholders, highlighting key findings and recommendations.
Collaboration: Work closely with sales teams to understand customer profiles and ensure alignment with credit policies.
Policy Compliance: Ensure adherence to company credit policies and regulatory requirements, updating them as necessary based on market changes.
Client Interaction: Communicate effectively with clients regarding credit decisions and provide guidance on improving credit profiles when needed.
Continuous Improvement: Stay updated on industry trends, emerging risks, and best practices in credit analysis to enhance processes and methodologies.
Qualifications:
Bachelor’s/Master’s degree in Finance, Business, Economics, or a related field.
Proven experience in credit analysis, preferably in a fintech or banking environment.
Strong understanding of credit scoring models and risk assessment methodologies.
Proficiency in data analysis tools and software (e.g., Excel, SQL, Tableau).
Excellent analytical and problem-solving skills.
Strong communication and interpersonal skills, with the ability to convey complex information clearly.
Detail-oriented with strong organizational skills and the ability to manage multiple tasks.
Preferred Qualifications:
Experience with SME lending, Business loans etc.
Familiarity with regulatory frameworks governing lending practices.
Professional certifications (e.g., CFA, FRM) are a plus.
Skills Required
- Bachelor's or Master's degree in Finance, Business, Economics, or a related field.
- Proven experience in credit analysis, preferably in fintech or banking.
- Strong understanding of credit scoring models and risk assessment methodologies.
- Proficiency in data analysis tools such as Excel, SQL, and Tableau.
- Excellent analytical and problem-solving skills.
- Strong communication and interpersonal skills, with the ability to convey complex information clearly.
- Detail-oriented, organized, and able to manage multiple tasks.
- Experience with SME lending or business loans.
- Familiarity with regulatory frameworks governing lending practices.
- Professional certification such as CFA or FRM.
What We Do
Yubi is the world's first possibility platform powering the discovery, investment, fulfilment of credit. We are re-defining global debt markets by freeing the flow of finance between borrowers, lenders, and investors. Yubi stands for ubiquitous, being present wherever our customers need us. From being a disruptor in India’s debt market to marching towards global corporate markets, we will unlock greatness together. We are on a mission to deepen and power the $120 Trillion global enterprise debt market which would unlock a GDP multiplier and thus, create massive economic value. The Yubi product suite is leading the empowerment of small, medium, and large enterprises on one side, and growing a healthy loan book for the larger Banking ecosystem on the other. As a debt platform for enterprises, lenders and investors, we offer the most comprehensive bouquet of debt products. Our suite of product offerings ensures that as a participant in the debt market - you find just what you are looking for! We believe that access to prudent finance is the right of all global citizens and that is what drives all of us here at Yubi. The future of finance starts here, propelled by technology, transparency, and mutual trust.
