Senior Debt & Credit Advisor - Contract

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. Advanced understanding of FICO, VantageScore, and CIBIL scoring models. Experience interpreting credit bureau data files (Experian, Equifax, TransUnion, CIBIL). Familiarity with debt repayment software (e.g., DebtPayPro, CreditRepairCloud, or similar). Proficiency in Excel/Google Sheets (pivot tables, amortization modeling, NPV/IRR calculations). Comfort using CRM platforms (Salesforce, HubSpot). Working knowledge of KYC, AML, fair lending laws, consumer protection, and data privacy (GDPR/CCPA).

Analyze detailed client credit reports, balances, repayment history, income, spending patterns, and DTI ratios. Develop structured repayment strategies using debt avalanche/snowball, consolidation loans, balance transfers, and EMI conversions. Provide technical guidance on FICO, VantageScore, and CIBIL scoring models; explain score factors, credit utilization, and risk segmentation. Evaluate and compare lender offers (banks, NBFCs, or U.S. creditors) based on APR, tenure, balance transfer options, and total cost of debt. Follow FTC, CFPB, FDCPA, and state debt counseling regulations. Educate clients on responsible credit management, financial planning, and long-term score improvement. Track repayment progress, update debt management plans, and maintain client records in CRM systems.