{"id":1807118,"url":"https://alion.io/job/zolve-credit-risk-senior-analyst","title":"Credit Risk Senior Analyst","company":{"id":2547072,"name":"Zolve","domain":"zolve.com","url":"https://alion.io/company/zolve-com","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Freshteam","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Bengaluru, India"],"countries":["IN"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Python","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-10-03T19:28:48Z","employer_posted_date":"2026-10-03","last_verified_at":"2026-10-22T07:26:13Z","board_verified":true,"closed_at":null,"days_open":18,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":18},"description":"ABOUT ZOLVE\n\nWelcome 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.\nZolve 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.\nAs we continue to grow into multiple geographies, product lines and customer segments, we are seeking a dynamic individualto join us and support our journey.\nJOB DESCRIPTION\n\nRole: Credit Risk Senior Analyst\nLocation: Bengaluru\nEmployment Type: Full-Time\nThe 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.\nRESPONSIBILITIES\n\nCredit Risk Assessment\nEvaluate and monitor the creditworthiness of existing and prospective customers\n\nPerform detailed analysis of financial statements, credit bureau reports, and risk data\n\nRecommend credit limits, terms, and risk actionsbased on assessment outcomes\n\nCredit Risk Strategy & Policy\nDevelop, implement, and periodically enhance credit risk policies and procedures\n\nEnsure credit risk strategy aligns with business objectives and regulatory requirements\n\nAdvise senior management on risk exposure, trends, and mitigation strategies\n\nRisk Monitoring & Reporting\nMonitor portfolio risk exposure to ensure compliance with internal risk limits\n\nPrepare risk reports and dashboardshighlighting key indicators, trends, and emerging risks\n\nImplement and manage automated tools and systemsfor risk monitoring and reporting\n\nStakeholder Management\nCollaborate with underwriting, sales, finance, product, and legal teamsto manage credit risk\n\nLiaise with credit bureaus, auditors, and regulatory bodiesto stay aligned with best practices\n\nCompliance & Governance\nEnsure adherence to regulatory requirements and industry standards\n\nMaintain up-to-date knowledge of US credit regulations and compliance frameworks\n\nTraining & Development\nProvide guidance and mentorship to junior risk analysts\n\nStay current with industry trends, tools, and regulatory developments\n\nQUALIFICATIONS\n\nEducation:Bachelor’s degree in Finance, Economics, Accounting, or a related field ot\nMaster’s degree (MBA / MSc) or professional certifications (FRM, CFA) are preferred\nSkills & Experience:\nMinimum 5 years of experiencein US credit card risk managementor related roles\n\nStrong understanding of credit risk analysis, financial modeling, and portfolio management\n\nExperience working with US credit bureausand US credit scoring frameworks\n\nExposure to credit risk management systems and tools\n\nTechnical Skills\nAdvanced knowledge of credit scoring models and risk mitigation techniques\n\nProficiency in Excel, SQL, and Python\n\nStrong analytical and reporting capabilities\n\nSoft Skills\nExcellent analytical and problem-solving skills\n\nStrong written and verbal communication abilities\n\nAbility to engage effectively with senior leadership and external stakeholders\n\nHigh attention to detail and strong organizational skills","description_format":"text","description_chars":4036,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":true},"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial 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