Senior Credit Analyst – Specialist

About the role

The Credit Analyst Senior Specialist is responsible for evaluating and monitoring the creditworthiness of both individual and corporate clients. This role combines advanced financial analysis, risk modelling and close collaboration with the credit committee to support strategic lending decisions while ensuring regulatory compliance.

Key responsibilities

• Analyse credit bureau data, bank statements, income and alternative data to assess credit risk.
• Perform due‑diligence, verify financial information and flag discrepancies.
• Apply credit scoring models and risk assessment tools to determine credit scores and guide loan decisions.
• Recommend credit limits, loan amounts and terms for credit cards and digital lending products.
• Underwrite credit requests within assigned authority or escalate with clear documentation.
• Develop and refine credit risk assessment criteria and product‑specific approval policies (e.g., BNPL, salary advances).
• Contribute to the enhancement of automated scoring and underwriting models.
• Monitor portfolio performance indicators such as approval rates, delinquencies, default rates, NPL and recoveries.
• Prepare credit assessment reports and dashboards for senior management.
• Support collections with recovery strategies, daily collection plans and trend analysis.
• Ensure credit policies comply with local regulations and internal standards.
• Train junior analysts and stakeholders on credit processes and risk awareness.

Required profile

• Bachelor’s degree in Business, Economics, Finance or a related field.
• Minimum 5 years of experience in credit analysis, risk assessment or related financial roles.
• Proven ability to work with credit scoring models and risk assessment tools.
• Strong understanding of regulatory requirements affecting credit risk.

Required skills

• Credit scoring models
• Risk assessment tools
• Data analysis
• Financial modeling