Credit Analyst

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.