Credit Card Lending Analyst

Company Details

Digital Risk, LLC.

Company Description

Mphasis applies next-generation technology to help enterprises transform businesses globally. Customer centricity is foundational to Mphasis and is reflected in the Mphasis’ Front2Back™ Transformation approach. Front2Back™ uses the exponential power of cloud and cognitive to provide hyper-personalized (C=X2C2TM=1) digital experience to clients and their end customers.
Mphasis’ Service Transformation approach helps ‘shrink the core’ through the application of digital technologies across legacy environments within an enterprise, enabling businesses to stay ahead in a changing world. Mphasis’ core reference architectures and tools, speed and innovation with domain expertise and specialization are key to building strong relationships with marquee clients.

Job Description

The Judgmental lending team is responsible for assessing a loan applicant’s ability to repay the loan and recommending that it be approved or denied. The role includes analyzing, negotiating, pricing and documenting lines of credit as per the lender judgment ,it also includes the review of other transactions that have an element of credit risk , Evaluating the borrower’s application and using prior experience dealing with similar applicants to regulate credit approval & Process credit line increase request using credit bureaus, spend/payment history on savings/checking/ investment accounts, and deposits to accommodate customer spend as well as capture spend from competitor credit cards

Essential Job Functions -Skills :

  • Due diligence -Attention for Details and being a quick learner
  • Problem solving skills
  • Ability & knowledge to evaluate risk management
  • Knowledge of industry, Background in Finance. College grads
  • Excellent Communication skills.


  • Must be able to work onsite at Carrollton, TX office
  • Candidates should have minimum 2 years of experience in credit cards operations with experience & understanding of judgmental lending
  • Detail oriented, while still providing reliable and consistent results Dependable problem-solving skills
  • General understanding of financial markets & exposure to credit card operations will be an advantage
  • Strong communication and interpersonal skills
  • Good organizational skills and ability to work with minimal supervision in a high production and fast-paced environment
  • Ability to work well in an integrated team alongside a range of personality types

Additional Information

All your information will be kept confidential according to EEO guidelines.

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