Credit Analyst

Evaluate SME borrower applications end-to-end, analyze financial statements, assess creditworthiness, deliver credit recommendations, engage borrowers, collaborate across teams, refine underwriting, and improve credit processes, tools, and models.

Responsibilities

• Lead end-to-end borrower evaluations and deliver sound credit recommendations
• Analyze financial statements including P&L, balance sheet, and cash flow to assess creditworthiness
• Engage borrowers directly to uncover the real credit story
• Collaborate with sales and operations to ensure smooth credit processes
• Partner with global credit leadership to refine the underwriting approach
• Identify opportunities to improve processes, tools, and credit models

Requirements

• 2–5 years of experience in credit risk analysis, financial analysis, or SME lending
• Strong financial statement analysis skills
• Ability to work independently in a fast-paced environment
• Excellent written and spoken English
• Curiosity, problem-solving instincts, and an investigative mindset
• SQL or Python skills for underwriting and data analysis are nice to have
• Experience in fintech, alternative lending, or commercial banking is nice to have
• Familiarity with credit scoring models or statistical analysis is nice to have