Analyst (Credit Research)

Job Description

Job Title: Credit Analyst Location: Pune Employment Type: Full-Time Role Overview We are seeking a dynamic and analytical Credit Analyst to join our credit risk team. The ideal candidate will be responsible for preparing robust credit models, conducting credit scoring, and drafting detailed credit memos that support sound, rapid lending decisions. This role demands strong financial acumen, a deep understanding of SME and corporate credit risk, and the ability to operate in a fast-paced, high-impact environment. Key Responsibilities • Credit Modeling: Develop and maintain quantitative credit risk models to assess borrower creditworthiness and design cash-flow projection models tailored to seasonal, sector-specific SME cycles. • Credit Scoring: Apply proprietary and industry-standard credit scoring techniques to MSMEs and corporate clients. • Credit Memos: Draft detailed and concise credit memos to support loan approval decisions, integrating financial analysis, industry outlook, and risk assessment. • Financial Analysis: Analyze financial statements, cash flows, business plans, and operational metrics to assess credit risk. Experience evaluating thin-file borrowers using alternative/behavioral data. • Due Diligence: Perform background checks and validation of submitted documents for credit assessment. • Portfolio Monitoring: Continuously monitor existing clients’ financial health and flag early warning signs for deteriorating credit quality. • Collaboration: Work closely with Business Development, Risk, and Legal teams to structure funding solutions aligned with risk appetite and customer needs. • Automation & Tools: Contribute to the development and refinement of automated underwriting tools and credit scoring models, participate in training data pipelines and validating ML-based underwriting engines. Requirements • CA/CFA level 3 cleared. Bachelor’s degree in Finance, Accounting, Economics, or a related field. • 2–5 years of experience in credit analysis, preferably in NBFCs, fintechs, or banks. • Strong understanding of SME and corporate credit dynamics, especially in emerging markets. • Experience in cash-flow-based lending and forward-looking risk assessments is highly desirable. • Proficiency in financial modeling and analysis tools (Excel, Python/R/PowerBi is a plus). • Excellent written and verbal communication skills; ability to write concise, data-backed credit memos. • Comfortable working in a dynamic, fast-paced lending environment with quick turnaround expectations. • Strong attention to detail and risk-oriented mindset. Preferred Qualifications • Experience with credit scoring frameworks. • Exposure to lending to sectors like manufacturing, trading, or logistics. • Familiarity with alternative data and digital underwriting methods. About us RCK Analytics Private Limited provides world-class custom equity research, investment research, PE/VE research support, Investment Banking support, analytics, and assurance services to global clients. We work with financial and investment companies, private equity, asset management and hedge funds, investment banks and broking houses, market research firms, consulting firms, and various sector corporates. The environment at RCK Analytics encourages not only best performance, hard work and commitment but also have fun and work life balance. We promote an open, transparent and performance-based culture in our organization. We provide regular training and feedback to people to ensure consistent performance, skill-set enhancement and systematic growth. Show more Show less