Credit Analyst

**Join and Grow with us**

At FOMO Pay, we are committed to breakthrough innovation in payment methods to disrupt tradition. Here, you will work alongside Company leaders who are pioneers in the industry with proven experience in leading and building the future of digital payment technologies and solutions. We offer an inclusive, supportive, and continuous learning culture where everyone can grow to be their best selves and advance in their personal and professional goals.

**Key Responsibilities**:

- Conduct comprehensive financial analysis including the evaluation of financial statements, bank statements, tax returns, and other relevant financial data for clients and/or partners
- Utilise risk assessment tools and guidelines, evaluate the creditworthiness of clients and/or partners based on financial ratios, credit scores, payment histories, and industry benchmarks
- Establish appropriate credit limitsconsidering factors such as transaction volumes, historical performance, and market conditions
- Work closely with cross-functional teams such as sales, finance, and legal to ensure seamless coordination throughout the credit review and risk analysis process
- Ensure compliance with all relevant regulations, policies, and procedures related to credit review and risk analysis, data privacy, and new client/partner onboarding
- Maintain accurate records of credit decisions, correspondence, and relevant information in accordance with Company policies
- Continuously monitor the creditworthiness of existing clients/partners, identify potential credit risks, and recommend appropriate actions to mitigate losses
- Identify opportunities for process improvement and automation to streamline the credit review process and enhance efficiency

**Requirements**:

- Degree in Finance, Accounting, Economics, or a related field. A Master Degree or relevant professional certifications would be a plus
- Minimum of 3 years of experience in credit review or risk analysis, preferably in the financial services industry
- Strong analytical skills with the ability to interpret financial statements, evaluate creditworthiness, and assess risk
- Understanding of the digital payment industry, including knowledge of payment processing, risk management, and client/partner services
- Excellent attention to detail and accuracy in reviewing financial data and documentation
- Strong judgment skills to make informed credit decisions based on comprehensive analysis and risk assessment
- Effective verbal and written communication skills to interact with internal and extrernal stakeholders
- Ability to work collaboratively in cross-functional teams and maintain positive relationships with various stakeholders
- Knowledge of relevant regulations, compliance requirements, and data privacy considerations in credit review and analysis
- Proven ability to identify and resolve complex credit-related issues and provide sound recommendations
- Ability to thrive in a fast-paced, dynamic environment and adapt to changing priorities and business needs

**Our Perks and Benefits**
- Competitive Compensation and Benefit Package
- Group Hospitalisation and Medical Insurance
- Fun and Dynamic Environment with plenty of learning and growth opportunities
- Career Advancement
- Professional Development Training Workshops
- Team Building Sessions

**Job Types**: Full-time, Permanent

**Salary**: $5,500.00 - $7,500.00 per month

**Benefits**:

- Dental insurance
- Health insurance

Schedule:

- Monday to Friday

**Education**:

- Bachelor's or equivalent (preferred)

**Experience**:

- credit review or risk analysis: 3 years (preferred)

Work Location: In person