We're seeking highly skilled Financial Advisors, Credit Counselors, or Debt Specialists with a proven record of helping clients reduce credit card debt and improve credit health.
The ideal candidate blends financial expertise, technical proficiency, and client-centered communication to deliver actionable, compliant debt solutions.
Key Responsibilities:Financial Assessment: Analyze detailed client credit reports, balances, repayment history, income, spending patterns, and DTI (Debt-to-Income) ratios.
Debt Strategy Design: Develop structured repayment strategies using debt avalanche/snowball, consolidation loans, balance transfers, and EMI conversions.
Credit Score Optimization: Provide technical guidance on FICO, VantageScore, and CIBIL scoring models; explain score factors, credit utilization, and risk segmentation.
Debt Consolidation Consulting: Evaluate and compare lender offers (banks, NBFCs, or U.S. creditors) based on APR, tenure, balance transfer options, and total cost of debt.
Compliance & Regulation: Follow FTC, CFPB, FDCPA, and state debt counseling regulations.
Client Coaching: Educate clients on responsible credit management, financial planning, and long-term score improvement.
Performance Monitoring: Track repayment progress, update debt management plans, and maintain client records in CRM systems.
Credit Analytics Expertise:
Advanced understanding of FICO, VantageScore, and CIBIL scoring models, including factors, weightings, and recalibration impacts.
Experience interpreting credit bureau data files (Experian, Equifax, TransUnion, CIBIL) and identifying error patterns.
Knowledge of credit utilization ratios, credit mix, and derogatory item analysis.
Debt Management Tools:
Familiarity with debt repayment software (e.g., DebtPayPro, CreditRepairCloud, or similar).
Experience using loan comparison platforms, financial calculators, and credit analytics dashboards.
Financial Modeling & Tools:
Proficiency in Excel/Google Sheets (pivot tables, amortization modeling, NPV/IRR calculations).
Comfort using CRM platforms (Salesforce, HubSpot) and financial data visualization tools (Tableau, Power BI preferred).
Regulatory & Compliance Knowledge:
Working knowledge of KYC, AML, fair lending laws, consumer protection, and data privacy (GDPR/CCPA) as applicable.
Reporting & Documentation:
Ability to prepare detailed client financial reports, repayment forecasts, and compliance summaries.
7-15 years of experience as a Financial Advisor, Credit Counselor, Debt Specialist, or Credit Analyst.
Strong knowledge of consumer credit markets, unsecured lending, and credit repair mechanisms.
Demonstrated success guiding clients toward measurable debt reduction and credit score improvement.
Exceptional analytical, communication, and interpersonal skills.
Certifications:
India: CFP India, NISM-Series-VII (Securities Operations & Risk Management), or RBI-recognized certifications.
USA: CFP®, AFC®, NFCC, or similar financial counseling credentials.
Experience in fintech, credit repair SaaS, or consumer lending ecosystems.
Fluency in English and regional languages (for India-based candidates).
You are a data-driven financial expert who:
Can interpret credit data with precision and convert insights into real-world strategies.
Operates with empathy, accuracy, and ethical standards.
Understands both individual credit behavior and systemic credit frameworks across India and the USA.
Location preferences: USA and India
Top Skills
What We Do
Bespoke Labs is a venture funded startup creating AI tools for data curation and post-training LLMs. (We are hiring!)
