Credit Analyst

We are seeking a proactive and detail-oriented Credit Analyst to join our team at the group level. This role is pivotal in evaluating and managing credit applications across our diverse vertical businesses, including Automotive Dealerships, F&B, Travel, Construction, and Real Estate. The Credit Analyst will assess creditworthiness, follow up with customers, maintain MIS (Management Information Systems), and support legal case management to ensure the group’s financial stability and compliance.

Key Responsibilities

Credit Evaluation and Analysis

• Assess and analyze credit applications for all vertical businesses within the group.

• Review financial documents such as credit reports, income statements, and tax returns for creditworthiness.

• Recommend approval, modification, or rejection of credit applications with a focus on balancing customer needs and risk management.

• Ensure compliance with internal credit policies and regulatory requirements across all verticals.

Customer Follow-Up

• Maintain regular communication with customers to follow up on outstanding payments, resolving payment delays and disputes.

• Collaborate with business unit teams to address customer financing inquiries and concerns promptly.

• Establish strong relationships with customers to support credit resolution and retention efforts.

MIS and Reporting

• Develop and maintain comprehensive credit MIS to track applications, approvals, rejections, and outstanding receivables across verticals.

• Monthly Customer Data upload to Etihad Credit Bureau

• Generate detailed reports on credit risk, collection performance, and key financial metrics for the group head of credit.

• Monitor trends in credit performance and provide actionable insights for decision-making.

Legal Case Management

• Coordinate with the legal team on overdue accounts requiring legal intervention.

• Prepare and submit documentation for legal proceedings related to delinquent accounts or disputes.

• Track and report on the status of legal cases to ensure timely resolution.

Collaboration and Compliance

• Work closely with business unit leaders in F&B, Travel, Construction, Automotive, and Real Estate to streamline the credit and collection process.

• Stay updated on industry-specific lending regulations and market trends to enhance credit decision-making.

• Ensure all credit-related activities align with group-wide compliance and risk management standards.

Education and Experience

• Bachelor’s degree in finance, Accounting, Business Administration, or a related field.

• Minimum 3-5 years of experience in credit analysis, preferably in a multi-industry or group-level setting.

Technical Skills

• Strong knowledge of financial analysis, credit risk assessment, and MIS tools.

Soft Skills

• Excellent analytical, communication, and negotiation skills.

• High level of integrity and ability to handle sensitive financial data confidentially.

• Strong organizational skills to manage multiple verticals effectively.