Experience
- 2 to 3 years
- The applicants should have experience in the following business area(s): NGO, Trading or Export/Import
Education
Applicants must have a relevant degree in one of the following disciplines: BBA/MBA in Finance, Accounting or a relevant discipline.
Requirements
- 2 to 3 years
- The applicants should have experience in the following business area(s): NGO, Trading or Export/Import
Additional Requirements
- Age 25 to 32 years
2–3 years of progressive professional experience in financial modeling, credit portfolio analytics, risk analytics or fintech corporate finance.
Experience in one or more of the following sectors will be preferred:
o Fintech and digital financial services
o Digital lending and consumer finance
o Banking and non-bank financial institutions
o Credit rating agencies
o Other technology-driven or credit-based businesses
Candidates with hands-on experience in loan-level data analysis, portfolio performance monitoring, financial forecasting, and management reporting will receive preference.
Required Skills & Competencies
Credit Portfolio Analytics: Default curves, vintage/cohort analysis, roll rates, delinquency monitoring, and loss forecasting.
Financial Planning & Analysis: Budgeting, forecasting, variance analysis, unit economics, and cash flow modeling.
Financial Modeling: Revenue projections, profitability analysis, scenario planning, and sensitivity analysis.
Data Analytics: Advanced Microsoft Excel, Power BI, and financial dashboard development.
Risk & Underwriting: Credit policy evaluation, portfolio risk assessment, and repayment performance analysis.
Management Reporting: Preparation of executive-level financial reports and strategic recommendations.
Communication & Leadership: Strong analytical thinking, stakeholder management, presentation, and team leadership skills.
Responsibilities & Context
Job Location: House 67, Block – KA, Pici-culture Housing Society, Shyamoli, Dhaka - 1207
About Ambala Fintech Limited
Ambala Fintech Limited is a technology-driven financial services company focused on delivering innovative, accessible, and sustainable financial solutions through digital platforms. By combining technology, financial expertise, and operational excellence, the company aims to expand financial inclusion, strengthen digital financial services, and create long-term value for customers and business partners across Bangladesh.
Role Overview
Ambala Fintech Limited is looking for a highly analytical and strategically minded Credit Analyst to lead financial planning, portfolio performance analysis, financial modeling, and strategic decision support.
This is a strategic finance role that goes beyond traditional accounting and bookkeeping. The successful candidate will translate financial and operational data into actionable insights to support business growth, credit risk management, pricing decisions, capital allocation, and profitability.
The role will work closely with management, business operations, and credit/risk teams to strengthen financial performance, improve portfolio quality, and support sustainable business expansion.
Key Responsibilities
Credit Portfolio & Financial Analytics
Develop and maintain default curves and credit loss forecasts.
Monitor delinquency, default rates, recoveries, write-offs, and portfolio profitability.
Analyze loan-level and customer-level data to identify portfolio risks, performance trends, and opportunities for improvement.
Recommend data-driven strategies to improve portfolio quality, collection efficiency, and risk-adjusted returns.
Financial Planning & Analysis (FP&A)
Lead annual budgeting, roll forecasts, financial planning, and variance analysis.
Develop and maintain integrated financial models covering revenue, operating costs, unit economics, cash flow, and profitability.
Prepare financial projections and scenario analyses to support business planning and management decisions.
Evaluate the financial feasibility of new products, business channels, strategic partnerships, and market expansion initiatives.
Credit Risk & Underwriting Support
Collaborate with credit and operations teams to assess and improve underwriting policies, credit limits, and customer eligibility criteria.
Conduct sensitivity and scenario analyses to evaluate the financial impact of credit policy changes.
Monitor portfolio performance against approved risk policies and recommend corrective actions.
Assess the relationship between customer acquisition, repayment behavior, default risk, and overall profitability.
Capital Planning & Management Reporting
Forecast capital requirements based on business growth, financing needs, and portfolio origination plans.
Prepare financial and portfolio performance reports for senior management, the Board of Directors, lenders, and investors.
Support fundraising initiatives, financing arrangements, financial due diligence, and covenant monitoring where applicable.
Develop dashboards and reporting frameworks to improve financial transparency and decision-making.
Job Other Benifits
Salary Range: 30000 - 35000 BDT per Month
Festival Bonus: 02
Weekly Holidays: Friday
An opportunity to contribute to the strategic growth of a technology-driven financial services business.
Direct involvement in financial strategy, portfolio performance, and business decision-making.
A collaborative and performance-oriented working environment.
Competitive compensation and benefits based on qualifications and experience.
Professional development and career growth opportunities.