Credit Officer

The Credit Officer will be a key member of Digitide Solutions' CLM Domestic BFSI back‑office department, responsible for evaluating credit applications, monitoring portfolio performance, ensuring regulatory compliance, and serving as the primary point of contact for customers regarding credit queries. This role blends analytical rigor with excellent customer service to support the company's financial health and client satisfaction.

Analyze credit applications and perform risk assessments using established scoring models. Prepare and present credit recommendations to senior management for approval. Monitor existing credit accounts for compliance with terms and early warning signs of delinquency. Maintain accurate records of credit decisions, documentation, and portfolio performance.

Ensure adherence to internal policies and external regulatory requirements (e.g., RBI, Basel). Collaborate with sales and operations teams to resolve customer credit inquiries promptly. Provide clear explanations of credit decisions and terms to customers, enhancing satisfaction. Prepare periodic credit risk reports and dashboards for management review.

Assist in the development and refinement of credit policies and procedures. Participate in audits and implement corrective actions as needed. Bachelor's degree in Finance, Economics, Business Administration, or related field. Minimum 2 years of experience in credit analysis or loan underwriting within BFSI. Strong understanding of credit risk metrics, financial statement analysis, and regulatory frameworks.

Proficiency in MS Excel and credit assessment tools; experience with CRM systems is a plus. Excellent communication and interpersonal skills for effective customer interaction. Detail‑oriented with strong analytical and problem‑solving abilities. Ability to work independently and as part of a cross‑functional back‑office team.

Knowledge of Indian banking regulations and compliance standards. High level of integrity and confidentiality in handling sensitive financial data. Professional certifications such as CCA, ICA, or CFA are advantageous.