Welcome to the financial frontier of limitless possibilities - welcome to Zolve. We're not just a fintech; we're architects of a financial revolution, crafting a narrative that transcends borders. At Zolve, we believe in rewriting the rules of finance to empower global citizens, nomads, and dreamers to navigate the world without constraints.
Zolve is the world's first cross border neo-bank which helps migrants get access to credit in the new country based on their home country credit score. Zolve's cross-border capabilities enable global citizens to access financial products such as checking accounts, credit cards, remittances, insurances, and loans seamlessly, helping them to be financially free to pursue their ambitions, without limiting the services to a particular country.
As we continue to grow into multiple geographies, product lines and customer segments, we are seeking a dynamic individualto join us and support our journey.
JOB DESCRIPTION
===================
Role:
Credit Risk Senior Analyst
Location:
Bengaluru
Employment Type:
Full-Time
The
Credit Risk Senior Analyst
will be responsible for assessing, managing, and mitigating the credit risk exposure for the US credit card portfolio. This role will involve working closely with business units to ensure sound credit risk policies and practices are in place. The Credit Risk Senior Analyst will conduct thorough credit assessments, maintain risk monitoring systems, and assist in making strategic recommendations to safeguard the company from potential credit losses. This position requires strong analytical skills, a deep understanding of credit risk management principles, and the ability to communicate effectively with senior leadership.
RESPONSIBILITIES
====================
Credit Risk Assessment
Evaluate and monitor the
creditworthiness of existing and prospective customers
Perform detailed analysis of
financial statements, credit bureau reports, and risk data
Recommend
credit limits, terms, and risk actions
based on assessment outcomes
Credit Risk Strategy & Policy
Develop, implement, and periodically enhance
credit risk policies and procedures
Ensure credit risk strategy aligns with
business objectives and regulatory requirements
Advise senior management on
risk exposure, trends, and mitigation strategies
Risk Monitoring & Reporting
Monitor portfolio risk exposure to ensure compliance with
internal risk limits
Prepare
risk reports and dashboards
highlighting key indicators, trends, and emerging risks
Implement and manage
automated tools and systems
for risk monitoring and reporting
Stakeholder Management
Collaborate with
underwriting, sales, finance, product, and legal teams
to manage credit risk
Liaise with
credit bureaus, auditors, and regulatory bodies
to stay aligned with best practices
Compliance & Governance
Ensure adherence to
regulatory requirements and industry standards
Maintain up-to-date knowledge of
US credit regulations and compliance frameworks
Training & Development
Provide guidance and mentorship to
junior risk analysts
Stay current with
industry trends, tools, and regulatory developments
QUALIFICATIONS
==================
Education:
Bachelor's degree in
Finance, Economics, Accounting
, or a related field ot
Master's degree (MBA / MSc) or professional certifications (
FRM, CFA
) are preferred
Skills & Experience:
Minimum
5 years of experience
in
US credit card risk management
or related roles
Strong understanding of
credit risk analysis, financial modeling, and portfolio management
Experience working with
US credit bureaus
and US credit scoring frameworks
Exposure to
credit risk management systems and tools
Technical Skills
Advanced knowledge of
credit scoring models and risk mitigation techniques
Proficiency in
Excel, SQL, and Python
Strong analytical and reporting capabilities
Soft Skills
Excellent
analytical and problem-solving skills
Strong
written and verbal communication abilities
Ability to engage effectively with
senior leadership and external stakeholders
* High attention to detail and strong organizational skills
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