Senior Credit Analyst

We are seeking a Credit Analyst to assess consumer finance credit applications, evaluate financial risk, and make informed credit recommendations while ensuring compliance with company policies and regulatory requirements.

Key Responsibilities

Review and analyze credit applications for revolving & large-ticket consumer finance products. Ensuring meticulous attention to detail and strict compliance with Tru’s credit policy. Evaluate applicants’ repayment capacity via in-depth review of financial statements, cash-flow projections, and credit bureau scores (i-Score).

Conduct ad-hoc and structured profiling investigations. Recommend approval, rejection, or escalation of applications within your mandate, clearly documenting risk drivers and mitigants.

Requirements

Education

& Experience Bachelor’s degree in Finance, Credit, Economics, or a related field. 1–5 years of experience in consumer lending, credit analysis, or financial risk management. Technical Expertise Proficient in financial statement analysis, cash-flow modeling, and ratio interpretation. Hands-on familiarity with credit bureau platforms and proprietary scoring tools (e.

g., i-Score). Solid understanding of credit principles and applicable regulatory frameworks. Analytical & Communication Skills Strong decision-making capability with acute attention to detail. Excellent verbal and written communication—able to distill complex analyses into clear, actionable insights. Comfortable presenting to cross-functional teams and senior stakeholders.

Personal Attributes Proactive problem-solver with a bias for action. High ethical standards and dedication to compliance. Team player who thrives under tight deadlines.