Credit Analyst

Company Description

CreditSea is dedicated to revolutionizing access to financial assistance by specializing in quick and reliable payday loan solutions for individuals in urgent need. Guided by principles of transparency, integrity, and a customer-first approach, CreditSea provides a seamless experience from application to fund disbursement. With a mission to empower individuals during financial emergencies, we offer accessible and trustworthy lending options tailored to diverse financial situations. Headquartered in India, CreditSea prioritizes speed, convenience, customer satisfaction, and strict security measures to safeguard user data.

Role Description

This is a full-time on-site role for a Credit Analyst based in Raipur. The Credit Analyst will be responsible for assessing creditworthiness, conducting financial analysis, preparing reports, and making informed recommendations on credit decisions. The role involves analyzing financial data, monitoring credit risks, and collaborating with other teams to manage client portfolios effectively. Ensuring compliance with company policies and financial regulations is also a key part of this role.

Key Responsibilities:

Review and analyze loan applications, financial documents, and credit reports

Assess applicant risk by evaluating income, liabilities, employment, and repayment capacity

Make clear, data-driven underwriting decisions within defined turnaround times

Ensure compliance with internal policies, regulatory norms, and credit risk standards

Collaborate with sales, collections, and operations teams to ensure seamless customer journeys

Continuously refine underwriting criteria based on performance and market trends Document decisions and maintain accurate underwriting records.

Qualifications:

Bachelor’s degree in Finance, Economics, Business, or related field 1–3 years of experience in credit underwriting, preferably in NBFCs or fintech companies

Strong understanding of credit risk, financial ratios, and lending practices

Proficiency in MS Excel and credit scoring tools

High attention to detail and strong analytical skills Ability to work independently and make sound judgments

Experience in underwriting unsecured loans or digital lending platforms(Preferred)

If you're someone who enjoys working with data, has a sharp eye for risk, and thrives in a dynamic environment—we’d love to hear from you!