Role & responsibilities
- Analyze financial statements, credit reports, and related documentation to assess the credit risk of prospective and existing clients.
- Monitor client account activity, portfolio trends, and risk indicators to identify potential credit concerns and emerging patterns.
- Prepare credit risk exposure reports, summarize findings, and support management review of risk trends and decision outcomes.
- Partner with underwriting teams to provide analysis, recommendations, and supporting information for credit decisions.
- Collaborate with compliance and legal teams to support adherence to regulatory requirements, internal controls, and policy standards.
- Assist with the development, testing, or validation of risk models, scorecards, or decision-support tools used in credit evaluation processes.
- Gather and interpret data from multiple systems and sources to support investigations, risk reviews, and credit-related analysis.
Preferred candidate profile
- Bachelors degree in Business, Finance, Economics, Statistics, or a related quantitative field.
- 3+ years of experience in credit risk, corporate or middle-market lending, merchant acquiring risk, enterprise client risk management, or asset-based lending.
- Strong analytical and financial assessment skills, including the ability to review and interpret business financial statements.
- Organized, proactive, and detail-oriented, with the ability to work effectively in a fast-paced setting.
- Excellent communication and interpersonal skills, with the ability to explain findings and present recommendations to senior leaders, banking partners, external stakeholders, legal teams, and merchants.
- Strong business judgment with the ability to think strategically, solve problems, and identify practical solutions.
- Effective negotiation and influencing skills.
- Comfortable working independently or as part of a team, with a willingness to take ownership and share knowledge.
- Proficient in Microsoft Ex
📌 Credit Risk Analyst (Thane)
🏢 Fiserv
📍 Thane