Credit Analyst (Credit Risk Management – Consumer Division)

Job Description

Title: Credit Analyst (Credit Risk Management – Consumer Division)

Company Name: IDLC Finance PLC

Vacancy: --

Age: At least 22 years

Job Location: Barishal, Jashore, Mymensingh

Salary: Negotiable

Experience:

• At least 2 years
• The applicants should have experience in the following business area(s): Banks, Leasing

• Bachelor of Business Administration (BBA)
• Bachelor of Business Studies (BBS)

• At least 2 years
• The applicants should have experience in the following business area(s): Banks, Leasing

• Age At least 22 years

Job Context

The incumbent will be responsible for the role of a Credit Analyst for the division of Credit Risk Management (under Consumer Credit Risk) which will significantly contribute to the quality growth of the Asset portfolio & significantly reduce the NPL of the organization.

Job Description / Responsibility

• Conduct detailed credit analysis and assessment of retail/consumer loan proposals.

• Evaluate financial and non-financial risks associated with lending proposals.

• Prepare credit assessment reports and recommendations as per organizational policies.

• Ensure compliance with internal policies, regulatory guidelines, and risk management standards.

• Coordinate with relevant stakeholders for smooth processing of credit proposals.

• Perform any other responsibilities assigned by the management as required by the role.

Job Requirements

Education

BBA/MBA in Finance or Accounting from a reputed UGC-approved university with a minimum CGPA 3.00 out of 4.00 (or equivalent). No third class/division in any academic examination preferred.

Experience

• Minimum 02 (Two) years of relevant experience in the Credit Department of any reputed Bank or Non-Banking Financial Institution (NBFI).

• Hands-on experience in credit appraisal/underwriting, including financial analysis and assessment of borrower repayment capacity, preferably in Consumer/Retail Credit.

• Experience in preparation and evaluation of credit proposals/credit memorandums in line with internal credit policy and regulatory guidelines.

Competencies

• Strong analytical and financial assessment capability.

• Sound understanding of credit risk management principles.

• Good communication and report writing skills.

• Ability to work under pressure and meet deadlines.

• Proficiency in AI Tools and Microsoft Office applications.

Designation: Officer Grade-III/Senior Officer

Salary: As per IDLC Policy

Job Nature: Full-time

Job Location: Outside Dhaka

Application Deadline: June 30, 2026