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.
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.
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
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
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
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
Ensure adherence to regulatory requirements and industry standards
Maintain up-to-date knowledge of US credit regulations and compliance frameworks
Provide guidance and mentorship to junior risk analysts
Stay current with industry trends, tools, and regulatory developments
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
Advanced knowledge of credit scoring models and risk mitigation techniques
Proficiency in Excel, SQL, and Python
Strong analytical and reporting capabilities
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
Zolve's mission is simple: we want to make financial products accessible to everyone. Zolve offers the ambitious a plethora of products to simplify banking in the US, such as:
A Bank Account you can create from anywhere in the world in under five minutes
A high-limit Credit Card that helps build a healthy credit score
Easy, lightning-fast, cross-border money transfers with the best rates in the market
Zolve is expanding its horizons, and we're excited to open our doors to everyone expanding theirs.
We believe: that if space tourism is real, so is reaching for the stars.
