Senior/Credit Analyst

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