Grievance Officer

Credit decisions shape real outcomes — for our business and for the people we serve. As a Credit Risk Analyst at MHPL, you’ll sit at the heart of that process, bringing sharp analytical thinking and sound judgment to decisions that matter. If you thrive on data, understand the nuances of risk, and want your work to carry genuine weight, this role is for you.

What you’ll do

• Assess the creditworthiness of individuals and businesses by analysing financial statements, credit histories, and market conditions
• Build and maintain credit risk models to support lending decisions and portfolio management
• Monitor existing credit portfolios and flag early warning signs of potential default or deterioration
• Prepare detailed credit appraisal reports and present findings to senior stakeholders and credit committees’
• Collaborate with operations, sales, and compliance teams to ensure credit policies are applied consistently
• Support the development and review of credit policies, frameworks, and risk appetite guidelines
• Stay current on regulatory requirements, market trends, and emerging risks relevant to the credit landscape

Qualifications

• Bachelor’s degree in Finance, Economics, Accounting, or a related field (Master’s or CFA/CA is a plus)
• 2–4 years of experience in credit risk, financial analysis, or a related role within banking or financial services
• Strong ability to interpret financial data, balance sheets, and cash flow statements with confidence
• Proficiency in Excel and financial modelling; experience with risk management tools is an advantage
• Clear, structured communication — you can explain complex risk findings in plain language to non-technical audiences
• A detail-oriented mindset with the discipline to maintain rigour under deadline pressure
• Familiarity with Nepal’s credit market, regulatory environment, and NRB guidelines is highly desirable

Nice to have

• Experience with credit scoring systems or portfolio stress testing
• Working knowledge of SQL or Python for data analysis
• Prior exposure to SME or corporate lending environments