Credit Risk Analyst

This role is for a detail-oriented and analytical Credit Risk Analyst to join our growing risk management team, assessing creditworthiness, monitoring portfolio health, and enabling data-driven decision-making to minimize financial risk.

Requirements

• Conduct comprehensive credit risk assessments for individuals, SMEs, or corporate clients by analyzing financial statements, credit reports, cash flows, and market conditions.
• Develop and implement risk analysis frameworks to evaluate borrower profiles and identify potential credit risks.
• Monitor and analyze portfolio performance, including delinquency trends, default rates, exposure levels, and risk-adjusted returns.
• Use SQL to extract, manipulate, and analyze large datasets from internal systems and databases to generate actionable insights.
• Prepare detailed risk reports, dashboards, and presentations for internal stakeholders, highlighting key risk indicators and portfolio health.
• Collaborate with cross-functional teams such as underwriting, collections, and finance to improve credit policies and risk strategies.
• Support the development and validation of credit risk models, scorecards, and risk-based pricing strategies.
• Identify early warning signals and recommend corrective actions to mitigate potential losses.
• Ensure compliance with internal risk policies and regulatory guidelines.

Benefits

• 401k Matching
• Generous Paid Time Off
• Retirement Plan
• Visa Sponsorship