Senior Debt & Credit Advisor - Contract

We're seeking highly skilled Financial Advisors, Credit Counselors, or Debt Specialists with a proven record of helping clients reduce credit card debt and improve credit health.

The ideal candidate blends financial expertise, technical proficiency, and client-centered communication to deliver actionable, compliant debt solutions.

• Financial Assessment: Analyze detailed client credit reports, balances, repayment history, income, spending patterns, and DTI (Debt-to-Income) ratios.

• Debt Strategy Design: Develop structured repayment strategies using debt avalanche/snowball, consolidation loans, balance transfers, and EMI conversions.

• Credit Score Optimization: Provide technical guidance on FICO, VantageScore, and CIBIL scoring models; explain score factors, credit utilization, and risk segmentation.

• Debt Consolidation Consulting: Evaluate and compare lender offers (banks, NBFCs, or U.S. creditors) based on APR, tenure, balance transfer options, and total cost of debt.

• Compliance & Regulation: Follow FTC, CFPB, FDCPA, and state debt counseling regulations.

• Client Coaching: Educate clients on responsible credit management, financial planning, and long-term score improvement.

• Performance Monitoring: Track repayment progress, update debt management plans, and maintain client records in CRM systems.

• Credit Analytics Expertise:

  • Advanced understanding of FICO, VantageScore, and CIBIL scoring models, including factors, weightings, and recalibration impacts.

  • Experience interpreting credit bureau data files (Experian, Equifax, TransUnion, CIBIL) and identifying error patterns.

  • Knowledge of credit utilization ratios, credit mix, and derogatory item analysis.

  • Debt Management Tools:

  • Familiarity with debt repayment software (e.g., DebtPayPro, CreditRepairCloud, or similar).

  • Experience using loan comparison platforms, financial calculators, and credit analytics dashboards.

• Financial Modeling & Tools:

  • Proficiency in Excel/Google Sheets (pivot tables, amortization modeling, NPV/IRR calculations).

  • Comfort using CRM platforms (Salesforce, HubSpot) and financial data visualization tools (Tableau, Power BI preferred).

  • Regulatory & Compliance Knowledge:

  • Working knowledge of KYC, AML, fair lending laws, consumer protection, and data privacy (GDPR/CCPA) as applicable.

• Reporting & Documentation:

  • Ability to prepare detailed client financial reports, repayment forecasts, and compliance summaries.

• 7-15 years of experience as a Financial Advisor, Credit Counselor, Debt Specialist, or Credit Analyst.

• Strong knowledge of consumer credit markets, unsecured lending, and credit repair mechanisms.

• Demonstrated success guiding clients toward measurable debt reduction and credit score improvement.

• Exceptional analytical, communication, and interpersonal skills.

• Certifications:

  • India: CFP India, NISM-Series-VII (Securities Operations & Risk Management), or RBI-recognized certifications.

  • USA: CFP®, AFC®, NFCC, or similar financial counseling credentials.

• Experience in fintech, credit repair SaaS, or consumer lending ecosystems.

• Fluency in English and regional languages (for India-based candidates).

You are a data-driven financial expert who:

• Can interpret credit data with precision and convert insights into real-world strategies.

• Operates with empathy, accuracy, and ethical standards.

• Understands both individual credit behavior and systemic credit frameworks across India and the USA.

Location preferences: USA and India