Credit Analyst

• Analyse and evaluate credit applications for auto financing.
• Review customer data and documents (personal data,income, employment, financial statement,bank statement, credit bureau history, company legality document).
• Ability to conduct telephone verification with customers, employers, and references professionally and clearly.
• Assess customer repayment capacity and credit risk.
• Prepare credit analysis results and recommendations for approval.
• Ensure credit decisions comply with internal credit policy and regulatory requirements.
• Coordinate with Sales, Operations, Survey, and Collection teams as needed.
• Maintain accurate and complete credit analysis records in the system.
• Support monitoring of early risk indicators.

• Minimum bachelor’s degree preferred
• Experience in credit analysis, preferably in auto-finance / multifinance
• Good understanding of credit analysis and underwriting processes
• Strong analytical and decision-making skills
• Good coordination and communication skills
• Familiar Confins system
• Willing to work in shifts.

to be discussed during offering stage with the shortlisted candida