Credit Analyst

We are looking for an experienced Credit Analyst with a strong background in retail lending and personal loans, who understands how banks evaluate, approve, and reject credit applications.

This role is critical for improving our Debt Consolidation and One-Time Settlement (OTS) products. You will work closely with our sales and operations teams to analyze approval challenges, identify gaps in applications, and help increase loan approval rates with partner banks.

• Key ResponsibilitiesAnalyze customer profiles applying for debt consolidation and personal loans
• Identify key reasons for loan rejections and delays from banks
• Evaluate creditworthiness based on income, liabilities, credit history, and risk factors
• Work with internal teams to improve application quality and structure
• Provide recommendations on how to increase approval rates with partner banks
• Review documentation and identify gaps before submission to banks
• Support in optimizing the end-to-end loan application process
• Share insights on bank credit policies, approval criteria, and risk parameters
• Requirements2–5 years of experience as a Credit Analyst / Credit Underwriter / Credit Risk Analyst
• Strong experience in retail lending (personal loans, unsecured loans, credit cards)
• Clear understanding of credit approval processes in banks
• Experience in analyzing loan applications and identifying approval/rejection drivers
• Knowledge of key credit parameters (DTI, credit score, repayment capacity, etc.)
• Ability to work with cross-functional teams (sales, operations)
• Strong analytical and problem-solving skills
• Good communication skills (ability to explain complex credit decisions clearly)
• Preferred QualificationsExperience with debt consolidation or loan restructuring cases
• Experience working in NBFCs or banks handling unsecured loans
• Familiarity with Indian credit bureaus and lending practices
• Exposure to credit policy, underwriting, or risk decisioning

What We Are Looking ForWe are not just looking for someone who reviews applications — we need someone who understands why loans get approved or rejected, and can help us improve our processes accordingly.

• Your insights will directly impact how we structure deals, communicate with banks, and scale our debt consolidation product.