Credit Analyst at The Startup Place Limited

About the Role

This position offers a great opportunity for career growth in credit analysis and risk management within a dynamic financial services environment.

Key Responsibilities

• Evaluate loan applications to determine credit risk using established policy frameworks
• Oversee day-to-day disbursement and recovery operations, ensuring alignment with performance targets
• Conduct business and guarantor visits as needed for loan verifications
• Recommend loan approvals or rejections and clearly communicate reasons to applicants
• Lead the implementation and refinement of credit risk strategies and performance objectives
• Monitor and manage overdue balances, initiate follow-up communications, and support legal escalations when necessary
• Prepare and present credit reports, risk analyses, and performance updates to management
• Contribute to budgeting, financial reporting, and the enhancement of credit documentation processes
• Identify patterns and trends in credit performance to inform data-driven decisions
• Collaborate with customer support to ensure borrower satisfaction and resolution of loan issues

Requirements

• 5+ years of hands-on experience in credit analysis, underwriting, or recovery within financial services or fintech
• Strong understanding of credit portfolio management, loan analysis, and risk mitigation
• Proven success managing disbursements, recoveries, and debt resolution
• Excellent communication, negotiation, and customer service skills
• Proficiency in Microsoft Office Suite; familiarity with credit tools or CRM software is a plus
• Strong analytical and organizational skills, with keen attention to detail
• Ability to work independently and handle multiple priorities effectively