The Credit Analyst Senior Specialist plays a critical role in evaluating, monitoring, and enhancing the credit worthiness assessment of individual and corporate clients. This role involves advanced financial and risk analysis, development of credit risk models, and close collaboration with the credit committee and other departments.

The analyst supports strategic lending decisions by providing insights based on data-driven assessments, ensuring compliance with internal policies and regulatory frameworks, and contributing to the sustainability of the credit portfolio.

Key Responsibilities

• Analyze credit bureau data, bank statements, income, behavioral patterns, and alternative data to assess credit risk.
• Perform due diligence, verify financial information, and identify any red flags or discrepancies.
• Utilize credit scoring models and risk assessment tools to determine credit scores and guide decisions.
• Recommend credit limits, loan amounts, and terms for credit cards and digital lending products.
• Underwrite credit requests within assigned authority or escalate with clear documentation.
• Develop and refine credit risk assessment criteria and product-specific approval policies (e.g., BNPL, salary advances).
• Contribute to the enhancement of automated scoring and underwriting models.
• Conduct research on credit policy trends and recommend updates to improve risk management.
• Monitor policy exceptions and ensure credit practices align with internal risk appetite.
• Track key portfolio performance indicators: approval rates, delinquencies, default rates, NPL, and recoveries.
• Prepare credit assessment reports and performance dashboards for senior management.
• Support the collections team with the development and execution of recovery strategies.
• Monitor payment performance, prepare daily collection plans, and arrange follow-ups accordingly.
• Analyze recovery trends and provide actionable insights to maintain portfolio health.
• Ensure credit policies and processes comply with local regulations, internal standards, and industry’s best practices.
• Prepare documentation for audits and internal/external regulatory reporting.
• Stay updated on evolving regulatory requirements affecting credit risk.
• Train junior credit analysts and internal stakeholders on credit processes and risk awareness.
• Recommend improvements to credit lifecycle processes: onboarding, assessment, limit management, and collections.
• Identify process inefficiencies and propose data-driven solutions.
• Stay informed on fintech innovations, market conditions, and emerging credit risk trends.
• Communicate credit decisions and risk assessments to underwriters, loan officers, and senior management.
• Assist clients or applicants during the credit application process, addressing inquiries and offer guidance on improving creditworthiness.
• Maintain clear and timely communication with all stakeholders involved in credit approvals and innovative work environment.

Requirements

• Bachelor’s degree in business, Economics, Finance, or a related field.
• 5 years of total experience, including at least 3 years in credit analysis, underwriting, or collections, preferably within fintech or consumer lending sectors.

Prefered skills

• Strong analytical and financial analysis skills.
• Familiarity with credit scoring models and underwriting systems.
• Excellent written and verbal communication.
• Proficiency in Excel, credit platforms, and reporting tools.
• Strong interpersonal and decision-making skills.
• Experience with data-driven credit risk tools and performance tracking
• Knowledge of regulatory compliance in digital lending or financial services.
• Familiarity with AI-powered tools and data analysis platforms such as Excel, Power BI, and interactive dashboards for reporting and decision-making.

Benefits