Credit Analyst

We are looking for an experienced and driven Credit Analyst (SME / Merchant Financing) to be the founding member of our new merchant financing business line under a leading payment acquiring company.

This is a unique opportunity to shape the foundation of the business — from credit framework design to hands-on portfolio evaluation. You’ll play a key role in designing the credit policies, SOPs, and contributing to the Loan Management System (LMS) and Loan Origination System (LOS) setup, while performing in-depth credit assessments on SMEs and merchants within our payment network.

Key Responsibilities

• Conduct comprehensive credit analysis on Merchants, evaluating business performance, repayment capacity, and risk profile.
• Establish and maintain credit scoring methodologies, underwriting parameters, and risk acceptance criteria for merchant financing.
• Design and document the Standard Operating Procedures (SOPs) for credit assessment, approval, and review workflows.
• Collaborate with product, data, and system development teams to contribute to the design of LMS and LOS systems, ensuring they support efficient credit processes and compliance.
• Review financial statements, transactional data, and acquiring histories to determine loan terms, structure, and conditions.
• Present credit recommendations with clear justifications and risk mitigation strategies for approval.
• Monitor portfolio performance and recommend adjustments to improve credit quality and process efficiency.
• Support regulatory and compliance requirements related to lending and financing activities.

Requirements

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