Role Description

We are seeking a detail-oriented
Credit Analyst / Risk Analyst
to support financial decision-making through comprehensive credit assessments, risk evaluation, and data analysis. This role focuses on identifying, measuring, and monitoring financial and operational risks while providing insights that support responsible lending, investment, and business strategies. The ideal candidate possesses robust analytical skills, sound judgment, and the ability to interpret financial and business information accurately.

Key responsibilities include:
- Analyze financial statements, credit reports, and business data to assess creditworthiness and risk exposure.
- Evaluate credit applications, lending opportunities, and financial performance using established risk assessment methodologies.
- Monitor credit portfolios and identify emerging risks, trends, or potential issues.
- Prepare detailed credit and risk assessment reports with recommendations for stakeholders.
- Conduct quantitative and qualitative analysis to support lending, investment, and strategic decisions.




- Review financial ratios, cash flow, liquidity, profitability, and debt capacity.
- Assist in developing and maintaining credit policies, risk frameworks, and internal control procedures.
- Monitor compliance with internal policies, regulatory requirements, and industry standards.
- Collaborate with finance, operations, compliance, and business teams to support effective risk management.
- Analyze market trends, economic indicators, and industry developments that may impact risk exposure.
- Support portfolio reviews, stress testing, and scenario analysis to evaluate potential financial impacts.
- Identify opportunities to improve risk management processes through automation and data-driven insights.
- Maintain accurate documentation, records, and reporting related to credit and risk activities.
- Present analytical findings and recommendations clearly to management and relevant stakeholders.
- Con

📌 Credit Analyst (Ahmedabad)
🏢 CITO East Africa
📍 Ahmedabad