* Evaluate credit and lease applications from individuals using credit data, payslips, tax documents, and employment histories.
* Perform risk assessments analyzing credit history, debt-to-income ratios, and financial stability to recommend approvals, alterations, or rejections.
* Monitor existing consumer lease portfolios to spot emerging risks and suggest corrective strategies.
* Work with sales and customer support teams to clarify decisions and propose alternatives when needed.
* Ensure all analysis aligns with applicable credit laws (e.g., data protection) and internal guidelines.
* Stay updated on regulatory changes and market trends influencing credit policy.
* Carry out any additional tasks as directed by the team leader.
* Sharp analytical and problem-solving capabilities, with strong attention to financial detail.
* Excellent communication and negotiation skills-able to explain decisions tactfully under pressure.
* Well-organized, methodical, and precise in documentation and follow-up.
* Empathetic and client-focused mindset, especially in high-pressure situations.
* Proactive, adaptable to regulatory and economic shifts.
* A permanent, full-time position immersed in credit analysis and risk management.
* Meaningful exposure to real-world financial decision-making and regulatory dynamics.
* Collaborative, supportive team environment fostering growth and professional development.
* A role with clear career progression opportunities in a stable sector.