Credit Operations Analyst

About Us:

Waseela Financial Services is a NBFC (Non-Banking Financial Company) that aims to transform financial management in the rural sector by creating simple and sustainable solutions. We are currently doing multiple pilots with Waseela Pakistan (Pvt.) Ltd to provide access to credit to farmers.

We’re a team of passionate, forward-thinking professionals who are committed to our Group’s vision of “Laying The Rails For Pakistan's Rural Economy”.

Join us in making a real impact.

What You’ll Do:

As a Credit Operations Analyst at our NBFC, you’ll be at the heart of our lending pilots and programs. You will play a critical role in supporting the efficient management and evaluation of loan applications, ensuring that all underwriting and operational processes are carried out in compliance with company policies, regulatory requirements, and industry best practices. You will be responsible for assessing and evaluating loan risk, performing due diligence, reviewing documentation, and ensuring a seamless experience for customers throughout the loan lifecycle.

Specifically, you will be responsible for:

1. Loan’s processing based on credit worthiness, relevant policy and procedures
2. Assess and analyze loan applications, review credit reports, and other relevant documentation to evaluate borrower’s ability to repay the loan.
3. Work closely with business / front-office to clarify borrower information and resolve discrepancies.
4. Communicate decisions and provide recommendations regarding loan approvals or denials to the relevant stakeholders.
5. Maintain and track loan portfolios, ensuring that all underwriting decisions are clearly documented.
6. Followup with the field staff on the discrepant loan applications and ensure that TAT is being followed

1. Compliance of Back Office operations
2. Process and manage loan transactions from initiation to closing, ensuring timely and accurate reporting & reconciliations, based on approved service metrics.
3. Perform data entry and quality checks to ensure loan documentation and terms are accurately reflected in the system.
4. Monitor loan performance and track key metrics such as delinquencies, defaults, and modifications.

1. Reconciliation , Reporting & Record Maintenance
2. Periodic SECP filings related to credit operations.
3. Monthly submission of ECIB/Tasdeeq reporting.
4. Maintain a weekly Reconciliation of loan repayments received and repayments due.
5. Ensure the safe keeping of all loan related original documents received from field offices.
6. Provide support in the preparation of loan reports, audits, and compliance reviews.

1. Conduct UATs.
2. Contribute to process improvement & optimization, by articulating requirements for increased efficiency & automation
3. Participate in systems / platform UAT.

What We’re Looking For:

We’re looking for a motivated and skilled professional with the following qualifications:

1. Min Bachelor’s degree.
2. At least a year of working experience, preferably with a fintech, bank or any lending company. Consumer credit working knowledge would be an added advantage.
3. Strong communication & analytical skills.
4. Ability to handle data and manage reports.
5. Knowledge of loan products & underwriting processes.

Why You’ll Love Working Here:

We want you to succeed and grow with us; you’ll have the opportunity to:

1. Work on exciting pilots and projects - and process improvements & technical solutions related discussions.
2. Collaborate with & learn from cross-functional teams and leaders that help you be the best version of yourself
3. Contribute in building an Inclusive Culture: We value inclusion & foster a supportive and open environment where everyone’s voice is heard.

Please note:

We live and breathe diversity, equity and inclusion. We welcome and learn from diverse experiences and points of view - and are excited to have you inspire us with yours!

We are committed to building the best in class team; our talent acquisition is based on merit and best fit to our culture - no regard to race, color, age, religion, socioeconomic status, gender identity, national origin or disability is given while making the employment decisions.