Credit Analyst

• Oversee the full customer lifecycle, encompassing customer onboarding, identity screening (KYC/AML), and individual financing decisions.
• Take responsibility for credit risk underwriting and the management of credit limits for MODIFI's Trade Finance customers.
• Conduct in-depth analyses of financial statements, company registers, credit scores, and other relevant credit assessment sources.
• Drive strategic underwriting projects, including underwriting loss analysis and portfolio stress testing.
• Further develop and implement underwriting principles in strict accordance with the MODIFI Risk Policy.
• Partner cross-functionally with the product, business, legal, finance, and engineering teams to build best-in-class Trade Finance products.

• A passion for small and medium-sized businesses (SMBs), international trade, and how digital Trade Finance can create significant growth for these enterprises.
• 5+ years of experience in Corporate Banking/NBFCs, Trade Finance, Credit Insurance, Factoring, or a similar underwriting position.
• Strong understanding of the Indian market, preferably coupled with knowledge of other Asian markets such as China and Bangladesh.
• In-depth knowledge of financials and financial analysis (including IFRS and GAAP standards), financial modeling, systems, and reporting.
• Expertise in credit risk evaluation and portfolio management
• Portfolio monitoring on an ongoing basis
• Collaborate with product, technology and operations teams to integrate compliance and credit risk controls into platform workflows. 
• Proactive, detail-oriented and adept at managing multiple priorities in a fast-paced environment.
• Academic degree in finance, business or economics.
• Fluent in English.

Why MODIFI? Because we rock!

• Here at MODIFI, we are building the next-generation global trade payment platform. Since our start in 2018, we have been growing extensively and today we're ready to move to the next level. International trade drives global development, and MODIFI is the right place to make it happen.
• Truly Global & Diverse: Join a multicultural team with 16+ nationalities operating across 11+ countries, with offices in Amsterdam, Berlin, Dhaka, Dubai, Mumbai and Shenzhen. We encourage everyone to be their authentic selves.
• Growth & Impact: We have a hands-on mindset, giving our people the chance to grow with their responsibilities and build a long-term career home. We live by our values: 'own your actions', 'grow together', and 'make it happen'. Think big. Think bigger! Think 10x!
• Long-Term Commitment: We are looking for individuals who want to build a lasting career home with us. We invest in our team's longevity, and it shows: 58% of our current employees have been with the company for 2 years or longer. 
• Excellent Perks: We organize regular gatherings, events, and parties to get to know your colleagues. Enjoy cultural days, personal training, language courses, and a company commitment to reaching CO2 neutrality.
• We are looking for talented people with an attitude geared toward continuous improvement. Are you passionate about mastering complex operations and building flawless, long-lasting financial engines? Sounds interesting? Send us your CV today!