As a Credit Officer, you will be responsible for overseeing credit-related activities, including evaluating credit applications, assessing financial risks, and making informed decisions. Your expertise will contribute to the smooth operation of our back-office functions, ensuring compliance with regulations and maintaining high standards of customer service. • Evaluate and analyze credit applications, financial statements, and other relevant documents to assess creditworthiness. • Conduct thorough credit risk assessments, considering various factors such as industry trends, market conditions, and client history. • Make informed credit decisions, considering the company's risk appetite and strategic objectives. • Maintain accurate records and documentation for all credit-related activities, ensuring compliance with internal policies and external regulations. • Monitor and manage existing credit facilities, including reviewing performance, identifying potential issues, and implementing corrective actions. • Build and maintain strong relationships with clients, providing timely updates and addressing their credit-related concerns. • Collaborate with other departments, such as sales, operations, and legal, to ensure a seamless credit process and effective communication. • Stay updated on industry trends, market dynamics, and regulatory changes to adapt credit policies and procedures accordingly. • Provide regular reports and insights on credit performance, identifying areas for improvement and recommending strategic initiatives. • Support the training and development of junior credit officers, fostering a culture of continuous learning and improvement. • Bachelor's degree in Finance, Accounting, Business Administration, or a related field. • Minimum 3 years of experience in a credit officer or similar role, preferably in the BFSI industry. • Strong knowledge of credit analysis, risk assessment, and financial statement evaluation techniques. • Excellent analytical and decision-making skills, with the ability to interpret complex financial data. • Proficiency in using credit analysis tools and software, such as credit scoring models and financial analysis platforms. • Effective communication skills, both written and verbal, to interact with clients and internal stakeholders. • Ability to work independently, manage multiple tasks, and prioritize workload effectively. • Familiarity with regulatory requirements and compliance standards related to credit operations. • Strong attention to detail and a commitment to maintaining accurate records and documentation. • A proactive and solution-oriented approach to problem-solving, with a focus on continuous improvement.