Role Overview
Confidential is hiring a Senior/Credit Analyst. This is a full-time role in IN. Part of Confidential's Risk hiring. Full responsibilities, required qualifications, and the apply link are listed in the description below.
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Job Description
As a Senior Credit Analyst specializing in SME Lending with a focus on Loan Against Property (LAP) and Working Capital financing, your role will involve evaluating and underwriting credit proposals in the SME segment. Your responsibilities will include:
- Conducting detailed credit analysis of SME borrowers, including financial statement analysis, cash flow assessment, and banking behavior
- Evaluating proposals for LAP, working capital facilities, term loans, etc.
- Assessing borrower repayment capacity using ratio analysis, sensitivity analysis, and projections
- Performing property valuation analysis and collateral risk assessment for LAP cases
In addition to credit appraisal and underwriting, you will also be responsible for:
- Identifying key risks and recommending mitigants
- Conducting industry and sectoral analysis to support credit decisions
- Evaluating credit bureau reports, legal and technical reports, and background checks
Furthermore, you will:
- Prepare detailed credit appraisal notes with clear risk-reward assessment
- Monitor portfolio performance, early warning signals, and stress indicators
- Work closely with various teams for smooth deal execution
- Contribute to enhancing credit policies, underwriting standards, and risk models
Key Qualifications and Experience:
- CA / MBA (Finance) / CFA or equivalent preferred
- 812 years of relevant experience in credit appraisal for SME lending
- Prior experience in NBFCs / Banks / Financial Institutions
- Hands-on exposure to LAP and working capital underwriting is mandatory
Key Skills and Competencies:
- Strong understanding of SME lending, LAP, and working capital products
- Expertise in financial analysis, ratio analysis, and cash flow assessment
- Knowledge of credit risk frameworks, RBI regulations for NBFCs
- Ability to assess collateral and property valuation reports
- Strong analytical, decision-making, and presentation skills
- Proficiency in MS Excel and financial modelling
In this role, your performance will be measured based on:
- Quality of credit underwriting (portfolio delinquency levels)
- Turnaround time (TAT) for credit decisions
- Compliance with policies and audit observations
- Portfolio health and early risk detection
Preferred Attributes:
- High ownership and accountability
- Strong risk mindset with business understanding
- Ability to work in a fast-paced, growth-oriented NBFC environment As a Senior Credit Analyst specializing in SME Lending with a focus on Loan Against Property (LAP) and Working Capital financing, your role will involve evaluating and underwriting credit proposals in the SME segment. Your responsibilities will include:
- Conducting detailed credit analysis of SME borrowers, including financial statement analysis, cash flow assessment, and banking behavior
- Evaluating proposals for LAP, working capital facilities, term loans, etc.
- Assessing borrower repayment capacity using ratio analysis, sensitivity analysis, and projections
- Performing property valuation analysis and collateral risk assessment for LAP cases
In addition to credit appraisal and underwriting, you will also be responsible for:
- Identifying key risks and recommending mitigants
- Conducting industry and sectoral analysis to support credit decisions
- Evaluating credit bureau reports, legal and technical reports, and background checks
Furthermore, you will:
- Prepare detailed credit appraisal notes with clear risk-reward assessment
- Monitor portfolio performance, early warning signals, and stress indicators
- Work closely with various teams for smooth deal execution
- Contribute to enhancing credit policies, underwriting standards, and risk models
Key Qualifications and Experience:
- CA / MBA (Finance) / CFA or equivalent preferred
- 812 years of relevant experience in credit appraisal for SME lending
- Prior experience in NBFCs / Banks / Financial Institutions
- Hands-on exposure to LAP and working capital underwriting is mandatory
Key Skills and Competencies:
- Strong understanding of SME lending, LAP, and working capital products
- Expertise in financial analysis, ratio analysis, and cash flow assessment
- Knowledge of credit risk frameworks, RBI regulations for NBFCs
- Ability to assess collateral and property valuation reports
- Strong analytical, decision-making, and presentation skills
- Proficiency in MS Excel and financial modelling
In this role, your performance will be measured based on:
- Quality of credit underwriting (portfolio delinquency levels)
- Turnaround time (TAT) for credit decisions
- Compliance with policies and audit observations
- Portfolio health and early risk detection
Preferred Attributes:
- High ownership and accountability
- Strong risk mindset with business understanding
- Ability to work in a fast-paced, growth-oriented NBFC environment
Frequently Asked Questions
How do I apply for the Senior/Credit Analyst position at Confidential?
Use the Apply button above to submit your application directly to Confidential. Most applications take less than 5 minutes if your resume and contact details are ready, and you'll be routed to the employer's official application system to finish.
Where is the Senior/Credit Analyst position at Confidential located?
This position is based in IN. Confidential has not indicated remote or hybrid options for this role, so candidates should plan for on-site work.
What does a Senior/Credit Analyst at Confidential earn?
Confidential has not disclosed a salary range in this posting. Many employers share specifics later in the interview process; you can also ask during a recruiter screen if compensation transparency is important to you.
When was the Senior/Credit Analyst role at Confidential posted?
This role was posted on April 17, 2026 (52 days ago). It's still listed as actively hiring; we re-confirm openings against the source system multiple times per day and remove closed roles.
How much experience does the Senior/Credit Analyst role at Confidential require?
This is a senior-level position. Most senior roles call for 5+ years of directly relevant experience. Confidential lists their specific requirements in the description below, so review the must-have qualifications closely before applying.
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