Job Description

Position: Analyst - Credit and Risk Underwriting About bluCognition: bluCognition is an AI/ML based start-up specializing in risk analytics, data conversion and data enrichment capabilities. Founded in 2017, by some very named senior professionals from the financial services industry, the company is headquartered in the US, with the delivery centre based in Pune. We build all our solutions while leveraging the latest technology stack in AI, ML and NLP combined with decades of experience in risk management at some of the largest financial services firms in the world. Our clients are some of the biggest and the most progressive names in the financial services industry. We are entering a significant growth phase and are looking for individuals with entrepreneurial mindset who want to join us in this exciting journey. https://www.blucognition.com/ Job Summary: We are seeking a detail-oriented and analytical Credit Underwriter to join our team. The ideal candidate will have strong experience in financial statement spreading, bank statement analysis, and evaluating creditworthiness of individuals and businesses. Key Responsibilities: 1) You will work as a credit underwriter for an innovative fintech company headquartered in the US with a subsidiary in Bangalore, India. 2) Analyse financials & bank statements for multi-geography businesses. 3) Accurately extract and input data from financial statements including balance sheets, income statements, and cash flow statements into internal spreading templates. 4) Ensure consistency and completeness in financial data across multiple reporting periods. 5) Collaborate with team to resolve discrepancies or incomplete information in statements. 6) Flag unusual trends, missing data, or inconsistencies for further review. 7) Review and analyse bank statement data to extract key financial information such as income, expenses, cash flows, and account balances. 8) Categorize transactions into standardized classifications (e.g., sales, salary, rent, loan repayment, vendor payments, etc.). 9) Identify unusual or suspicious transactions, cash flow inconsistencies, and financial red flags. 10) Ensure all data is entered accurately into internal templates. Key Skills & Qualifications: 1) Masters in Finance or Masters in Business Administration is highly desirable. Bachelors degree in Commerce, Finance, Accounting, or a related field. 2) 13 years of experience in bank statement analysis, financial data analysis, credit support, or related function. 3) Strong understanding of financial statements and accounting principles. 4) High attention to detail and strong analytical skills. 5) Proficiency in Microsoft Excel, Google sheets, experience with financial spreading software (e.g., Moodys) is a plus. 6) Ability to read and interpret different formats of financial statements (audited, unaudited, tax returns). 7) Strong organizational skills and ability to meet tight deadlines. 8) Ability to work with high volumes of data accurately and efficiently. Preferred Skills & Experience: 1) Experience in fintech, NBFC, or bank underwriting processes. 2) Proven ability to standardize and normalize diverse financial data into common templates for consistent analysis. 3) Attention to detail and ability to detect fraudulent or suspicious financial statements and banking patterns. 4) Strong communication skills to explain underwriting rationale across team and to client. Location: D - 3010, Solitaire Business Hub, Viman Nagar, Pune - 411014, Maharashtra, India Mode of Work: Onsite / Work from Office (WFO) Working Days : 5 Days a Week - Mondays to Fridays Shift Timings: Day Shift - 11 AM to 8 PM IST with slight flexibility which could be required at times