Commercial Credit Analyst

Between 3-5 years of experience in underwriting and analyzing small to medium sized business customers from a credit/lending perspective either at a lending fintech, commercial bank, private credit fund or credit card company
Experience in assigning and managing larger credit limit customers would be ideal
Prior credit/charge card experience is a definite plus
Strong excel skills and some familiarity with credit analysis and fraud identity tools such as Heron, Plaid, Lexis Nexis, Inscribe, Persona etc
MBA from a reputable institution and prior fintech experience is beneficial
Entrepreneurial and ‘can do’ attitude
Ability to work under pressure in a fast paced start-up environment

Credit analysis: Take the lead on performing thorough, relevant and insightful credit analysis on finally’s charge card customers using a variety of credit analysis tools and financial data. The outcome of this analysis will decide whether a customer is approved for finally’s corporate charge card
Assignment of limits: Based on the credit analysis performed, you will assign appropriate credit limits to approved customers in line with finally’s credit policy. These limits represent the financial risk that finally is exposed to so a high degree of care and skill is required while assigning these limits
Credit Policy refresh: Provide input on an ongoing basis into updating finally’s credit policy to reflect market dynamics and macro scenarios. This requires the ability to distill credit analysis skills and wider market knowledge into a blueprint for doing business
Management and training of junior analysts: as part of your day-to-day responsibilities, you will also train and manage junior analysts to perform the essential tasks that are a part of finally’s underwriting process

Experience in assigning and managing larger credit limit customers would be ideal
Prior credit/charge card experience is a definite plus
MBA from a reputable institution and prior fintech experience is beneficial