Credit Risk Senior Analyst
Confirmed on the employer's own hiring board on Oct 20, 2026. First seen by Alion on Oct 3, 2026.
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 individualto join us and support our journey.
JOB DESCRIPTION
Role: Credit Risk Senior Analyst
Location: Bengaluru
Employment Type: Full-Time
The Credit Risk Senior Analystwill 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 actionsbased 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 dashboardshighlighting key indicators, trends, and emerging risks
Implement and manage automated tools and systemsfor risk monitoring and reporting
Stakeholder Management
Collaborate with underwriting, sales, finance, product, and legal teamsto manage credit risk
Liaise with credit bureaus, auditors, and regulatory bodiesto 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 experiencein US credit card risk managementor related roles
Strong understanding of credit risk analysis, financial modeling, and portfolio management
Experience working with US credit bureausand 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