Credit Risk Senior Analyst

Zolve· Credit Assessment
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📍 Bengaluru, IndiaFULL TIME

About this role

ABOUT ZOLVE


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 individual to 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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Frequently Asked Questions

Is the salary disclosed for the Credit Risk Senior Analyst position at Zolve?
The salary for this Credit Risk Senior Analyst role at Zolve is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
Where is the Credit Risk Senior Analyst position at Zolve located?
This Credit Risk Senior Analyst role at Zolve is based in Bengaluru, India. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
Is the Credit Risk Senior Analyst role at Zolve full-time or part-time?
This is listed as a FULL TIME position. It is posted as a Credit Risk Senior Analyst role in the Credit Assessment department at Zolve.
Which team or department does the Credit Risk Senior Analyst at Zolve belong to?
This Credit Risk Senior Analyst position is part of the Credit Assessment department at Zolve. See the full job description for more information about the team structure and responsibilities.
How do I apply for the Credit Risk Senior Analyst position at Zolve?
Click the "Apply Now" button on this page. You will be redirected to Zolve's official application portal hosted on freshteam where you can submit your application directly.
When was the Credit Risk Senior Analyst job at Zolve posted?
This Credit Risk Senior Analyst position at Zolve was posted on Sep 17, 2026. Apply as soon as possible — early applications are often reviewed first.
Credit Risk Senior Analyst
Zolve
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