Credit Analyst / Risk Analyst – Credit Risk Associate

About the role

We are looking for a highly analytical professional to join our team as a Credit Analyst, Risk Analyst, and Credit Risk Associate. The role involves assessing creditworthiness, evaluating financial and operational risks, and supporting risk‑management strategies that protect the organization’s financial stability while enabling sustainable growth.

Key responsibilities

• Evaluate credit applications, review financial statements, and analyse cash‑flow to determine repayment capacity.
• Conduct comprehensive risk assessments, prepare credit recommendations, and support approval processes.
• Monitor credit portfolios, track repayment performance, and identify early‑warning indicators.
• Prepare credit assessment reports, risk analysis reports, financial models, and portfolio dashboards for senior management.
• Collaborate with finance, sales, legal, compliance, and operations to ensure credit decisions align with risk appetite and governance standards.
• Support policy development, internal audits, and continuous improvement initiatives in enterprise risk management.

Required profile

• Strong analytical capabilities with sound judgment.
• Ability to interpret financial information and risk indicators.
• Attention to detail, confidentiality, and professional integrity.
• Experience in credit analysis, risk assessment, or related finance functions.

Required skills