Credit Analyst

Looking for a dynamic Credit Analyst professional for a Fintech firm in Bengaluru!ResponsibilitiesMonitor and report on the performance of the existing HPP, BTL and Bridging portfolios, identifying emerging risks and trends.Assist in the development and maintenance of credit risk policies, procedures and risk frameworks. Secretariat for the Credit Committee.Manage and develop the packs for Credit Committee, Exco Risk Committee and Board Risk & Audit Committee.Support the monitoring of accounts in arrears, forbearance cases and early warning indicators.Ensuring compliance with relevant FCA regulations and internal governance processes.Contribute to stress testing, scenario analysis and risk modelling activities (including IFRS9).Collaborate with Underwriting, Operations, Compliance and Sharia Advisory teams to ensure consistent risk standards across the business.Assist with training new team members on Credit Risk policies and procedures.Support ad hoc compliance and administrative tasks as needed. Job RequirementsExperience in credit risk, underwriting or financial analysis (mortgages, HPP, secured lending preferred).Strong knowledge of IFRS 9 and expected credit loss methodologies.Experience with PD, LGD and EAD modelling.Advanced Excel and SQL skills; experience with SAS, Python or R desirable.Strong understanding of UK regulatory requirements (FCA, MCOB, AML/CTF).Excellent analytical skills and the ability to interpret financial and non-financial data.