Small shop owners earn daily unlike salaried people but when it comes to loan repayment both are asked to pay monthly. For these shop owners it is difficult to calculate how much to save daily so that they will have the required installment amount at the end of the month and also at the time of repayment they have a big hole in their working capital.

Therefore, when you earn daily why not pay daily and get away from the stress of huge one-time installments.

Every day a small amount of $X is deducted from your digital wallet which is on the auto-debit mandate and you don't need to worry about keeping your balance of $XXXX. You never default and also good credit scores are created.

Qualifications:

• Bachelor's degree in finance, Accounting, Business Administration, or a related field. (Master's degree or professional certification such as CA or CFA is a plus.)
• Proven experience in credit analysis, loan underwriting, or a related financial role of about 1-2 years.

Job Description:

• We are seeking a diligent and detail-oriented Credit Officer to join our team. 
• The Credit Officer will play a critical role in assessing the creditworthiness of potential borrowers, managing credit risk, and ensuring compliance with company policies and regulations.
•  The ideal candidate should have a strong analytical mindset, excellent communication skills, and a deep understanding of financial principles.

Key Responsibilities:

• Credit Analysis: Evaluate the creditworthiness of loan applicants by analyzing financial statements, credit reports, and other relevant documents. Assess factors such as income stability, debt levels, and repayment history to make informed lending decisions.
• Loan Underwriting: Review loan applications and make recommendations for approval or denial based on established criteria and risk assessment. Ensure that loan terms comply with company policies, regulatory requirements, and industry standards.
• Customer Relationship Management: Communicate with borrowers to gather additional information, clarify discrepancies, and address inquiries related to the credit evaluation process. Build and maintain positive relationships with clients to promote customer satisfaction and retention.
• Documentation and Compliance: Prepare loan documentation accurately and ensure completeness and compliance with regulatory guidelines. Stay updated on industry regulations, lending practices, and internal policies to ensure adherence to legal and ethical standards.
• Monitoring and Reporting: Monitor the performance of existing loans, identify early warning signs of potential defaults, and take proactive measures to mitigate risks. Prepare regular reports on credit portfolio quality, delinquency rates, and other key performance indicators for management review.

Backend:- Python with AWS. Android:- Flutter
Frontend:- React