Analyst - Fintech - MBA Fresher (Finance)

Job Description

About Us: Efficient Capital Labs (ECL) Location: India – Bangalore - Hybrid Job Type: Full-time About Us: Efficient Capital Labs (ECL) is a VC backed, innovative fintech company headquartered in the US with a subsidiary in Bangalore, India. At ECL, our vision is to enable border agnostic access to capital for businesses in emerging markets, such as India, so that they can benefit from lower capital costs that are available in markets such as the U.S. Our mission is to innovate for businesses and solve two of their biggest challenges: access to capital and cost of capital. We offer non-dilutive capital of up to US$2.5M for a fixed annual fee, with a 12-month repayment term. We serve our customers in a fast, seamless and cost-effective manner that does not require them to spend months of time and thousands of dollars in negotiating complex equity raises through preferred stock issuance. Job Summary: We are seeking a detail-oriented and analytical professional to join our team as an Analyst. In this role, you will be responsible for reviewing and interpreting bank statements to assess financial health, identify patterns, detect irregularities, and contribute to credit and risk decision-making. And accurately extracting, interpreting, and inputting financial data from customer-provided documents into internal credit models and systems. You will work closely with underwriting, data science, and product teams to improve automation and accuracy in financial evaluations. Key Responsibilities: Banking : Analyze customer bank statements to extract and validate key financial metrics such as income, expenses, cash flow, overdrafts, and transaction trends. • Identify financial risks, anomalies, and inconsistencies that may impact lending or credit decisions. • Collaborate with underwriting teams to assess borrower eligibility and creditworthiness. • Use bank statement parsing tools and financial data platforms (e.g., Plaid, Teller) to streamline analysis. • Document findings clearly and maintain accurate records in compliance with regulatory requirements. • Support the automation of financial data extraction and contribute to the refinement of underwriting models. • Work with product and engineering teams to enhance the accuracy and usability of bank statement analysis tools. Assist in fraud detection by identifying suspicious or manipulated financial documents Financial : Spread financial statements (Income Statement, Balance Sheet, and Cash Flow) from borrower-provided documents into internal systems and models. • Normalize data across varying formats including tax returns, bank statements, audited and unaudited financials. • Review and validate financial ratios, trends, and performance indicators used in credit assessments. • Collaborate with credit analysts and underwriters to ensure accurate inputs for risk models. • Maintain financial spreading templates and assist in continuous improvement of processes and tools. • Identify discrepancies or red flags in financial data and escalate appropriately. • Ensure compliance with internal policies, regulatory standards, and data privacy requirements. Requirements : Bachelor’s degree/MBA. • Fresher or experience in financial analysis, underwriting, or a similar role in Fintech, banking, or lending. • Strong understanding of financial statements and transactional data. • Familiarity with digital bank statement formats and aggregation tools (e.g., Plaid, Teller etc). • Proficiency in Microsoft Excel or Google Sheets; experience with SQL or Python is a plus. • Strong analytical and critical thinking skills with attention to detail. • Excellent written and verbal communication skills. Nice to Have: • Prior experience in small business lending, personal finance platforms, or digital banking. • Exposure to machine learning or AI-based financial document analysis tools. • Knowledge of US financial regulations, lending standards, and consumer protection policies. What We Offer: Competitive salary and benefits package Opportunity to work with a talented team of professionals Collaborative and dynamic work environment - Professional growth and development opportunities How to Apply: If you're a motivated and experienced technical leader looking for a new challenge, please submit your resume and cover letter to nithanth@ecaplabs.com Show more Show less