Credit & Risk Associate at Gamma Mobility Limited

Job Title: Credit & Risk Associate

Position Summary

• We are seeking a Credit & Risk Associate to support the company’s risk management framework by assessing credit applications, monitoring financial risks, and implementing strategies to minimize defaults. 
• The ideal candidate will analyze customer creditworthiness, enforce risk control measures, and ensure adherence to company policies in rental, leasing and financing operations.

Key Responsibilities​

• Evaluate all customer applications, ensuring compliance with company rental, lease and financing policies.
• Ensure adequate KYC verification, fraud detection, and affordability analysis for loan applicants.
• Leverage alternative credit scoring models to enhance decision-making.
• Monitor the credit portfolio to identify risk exposure and default patterns
• Analyze trends in repayment behavior, overdue accounts, and customer delinquency rates.
• Implement early warning systems to flag high-risk customers.
• Support in developing and refining risk models to optimize Gamma Mobility’s leasing and credit offerings.
• Ensure adherence to regulatory credit policies, financial compliance, and internal risk controls.
• Investigate and report cases of fraud, identity theft, or financial misrepresentation.
• Work with law enforcement or security teams on fraud cases when necessary.
• Generate credit risk reports on portfolio performance, delinquency trends, and recovery success rates.
• Use data analytics tools to evaluate risk exposure and suggest risk mitigation strategies.
• Provide regular updates to the Credit & Risk Manager on operational risks.

Requirements

• Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or a related field.
• Knowledge of financial regulations and risk management principles.
• At least 2-3 years of experience in credit risk management, financial analysis, or a related field, preferably in the gig economy, financial services, or technology sectors.
• Strong understanding of credit assessment, risk evaluation, and financial forecasting.
• Experience in assessing the creditworthiness of individuals, gig workers, or businesses, particularly in a fast-paced, dynamic industry.
• Familiarity with key performance indicators (KPIs) and metrics to evaluate financial risk.

Application Instructions:

The application deadline is on 5th March, 2025. Qualified and interested candidates can: Click here to apply online. It is important to visit the official website (link found below) for detailed information on how to apply successfully for this vacancy.

Official Website: https://www.gammamobility.com