Job Description

Credit Risk Analyst - Risk Reporting

Credit proposals, Credit Risk, Structure lending proposals

?Y" Who are we?

"We have disrupted the financial industry by building a modern FinTech Ecosystem that allows Credit Unions in the UK offer ethical and responsible financial project to near prime customers. We have ambitious growth having already grown 5x in 2021 and with over 45,000 customers on our platform, weaEUR(TM)re on course to be the biggest player in the UK credit union market by the end of 2022.aEUR

?Y' What do we offer?

As well as a competitive salary you will receive annual leaves, gratuity, medical insurance

Why do we do what we do?

We are all passionate about this industry and our aim is to grow a select group of Community Lenders into network challenger banks offering a viable alternative to high-cost lenders.

Sounds great right? What will you be doing?

At Gojoko, weaEUR(TM)re passionate about the power of data to drive innovation and decision making at all levels of organization. WeaEUR(TM)re building a robust, scalable credit risk infrastructure.

As a Credit Risk Analyst, you will contribute to the growth of the business by ensuring that Credit proposals are reviewed using adequate documentation within a committed timeframe and without compromising on quality of assessment. You will be the part of the Credit Risk team responsible for to build and maintain the Risk engine of products including business rules and scorecards. We are looking for someone with enthusiasm for latest credit risk Analysis and can thrive in a fast-paced environment.

• Transform high-level requests into focused and specific analysis by deep dive analysis
• Structure lending proposals based on observations/ knowledge of client and industry risks
• Prepare well- reasoned & succinct credit proposals highlighting key risks and mitigants to enable decision making
• Identify new opportunities for enhancing/ streamlining the process services
• Formulate opportunities into proposals, share with the manager and help implement, where applicable
• Work effectively with peers and management team to achieve shared business objectives
• Contribute to the wider colleague agenda of the BI and Wholesale Credit Risk functions in India, as required

• 1+ yearsaEUR(TM) experience in Credit and Risk functions of Fintech/Banks.
• CA or MBA (CFA/FRM added advantage)
• Ability to generate insights from data and information, assess the risk impact and recommend action
• Understanding of financial statements to enable appropriate interpretation of results
• Deep understanding of Corporate Lending products, Opportunity Assessment and Deal Structuring
• Familiarity with Microsoft Excel, Word and PowerPoint
• Conceptual thinking - find innovative ways to solve analytical problems
• Ability to deliver accurate results within tight deadlines