Credit Evaluator Retail Ops - Lending Ops - UnSecured Loans Credit Management

Key Responsibilities

* Review and assess credit applications submitted by customers.
* Analyze financial statements, bank references, trade references, and credit reports.
* Conduct credit risk assessments and recommend credit limits and payment terms.
* Monitor existing customer accounts and identify potential credit risks.
* Evaluate customer payment histories and credit trends.
* Coordinate with Sales, Finance, and other departments regarding customer credit matters.
* Prepare credit evaluation reports and recommendations for management approval.
* Maintain accurate customer credit records and documentation.
* Follow up on outstanding information required for credit assessments.
* Ensure compliance with internal credit policies and regulatory requirements.
* Assist in periodic reviews of customer credit limits and account statuses.
* Support collection activities when required by providing credit-related insights.

Qualifications and Experience

* High school / Bachelor’s degree in finance, Accounting, Business Administration, Economics, or a related field.
* Minimum of 2–5 years of experience in credit analysis, credit evaluation, finance, or a related role.
* Experience reviewing financial statements and assessing credit risk.
* Knowledge of credit management principles and financial analysis techniques.
* Proficiency in Microsoft Excel and ERP systems.

Skills and Competencies

* Strong analytical and problem-solving skills.
* Excellent attention to detail and accuracy.
* Ability to interpret financial data and credit reports.
* Effective communication and interpersonal skills.
* Strong organizational and time-management abilities.
* Ability to work independently and manage multiple priorities.
* Professional judgment and decision-making skills.
* Confidentiality and integrity in handling sensitive financial information.

Key Performance Indicators (KPIs)

* Timely processing of credit applications.
* Accuracy and quality of credit assessments.
* Reduction of bad debt exposure.
* Compliance with credit policies and procedures.
* Effectiveness of credit risk mitigation recommendations.

Employment Type

* Full-Time