Credit Analyst

Ring is a “Made in India” online Instant Credit Platform operated by ONEMi Technology Solutions Private Limited with a vision to provide speedy and hassle-free credit financing to its customers across India.

Ring has also been recognized as a Great Place to Work organization.

About The Role

We are seeking a detail-oriented Credit Analyst to join our team. The ideal candidate will assess creditworthiness, analyze financial data, and provide recommendations to support lending decisions. You will play a key role in evaluating potential and existing clients, ensuring sound financial practices, and mitigating risk.

Key Responsibilities

• Evaluate the creditworthiness of individuals or businesses by analyzing financial statements, credit reports, and other relevant data.
• Identify and assess credit risk factors and recommend appropriate actions to mitigate potential risks.
• Develop and utilize financial models to forecast potential credit exposure and assess the impact of different scenarios.
• Prepare detailed credit analysis reports and present findings to senior management and credit committees.
• Continuously monitor the credit performance of existing clients and alert stakeholders to any changes in risk profiles.
• Ensure all credit analyses adhere to regulatory and internal compliance standards.
  
  

Qualifications

• Bachelor’s/Master’s degree in Finance, Accounting, Economics, or a related field.
• Proven experience as a Credit Analyst or in a similar role within the financial services industry.
• Strong analytical and quantitative skills, proficiency in financial analysis and modeling techniques.