Business Analyst / Credit Manager

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Job Summery:

We are seeking a highly skilled and detail-oriented Business Analyst / Credit Manager to join our NBFC operations. The ideal candidate will have strong expertise in credit risk evaluation, financial analysis, and business process optimization. This role requires a balance of analytical thinking, subjective judgment, objective financial assessment, and stakeholder management to support high-quality lending decisions and sustainable business growth.

Key Responsibilities

• Conduct site visits to client companies across assigned regions to gather on-ground business insights.
• Build and maintain long-term relationships with corporate clients, SMEs, and other stakeholders to support sustainable business growth.
• Perform business analysis, financial statement review, and balance sheet analysis to assess creditworthiness and repayment capacity.
• Carry out subjective analysis (promoter background, management capability, governance standards, reputation) and objective analysis (financial ratios, cash flows, collateral adequacy, industry benchmarks).
• Undertake risk analysis, industry research, and due diligence to evaluate lending proposals across sectors.
• Prepare and review credit reports, financial models, and risk assessments, presenting clear recommendations to credit committees and senior management.
• Monitor loan portfolio performance, identify early warning signals, and recommend timely corrective actions.
• Support business teams in identifying new lending opportunities while ensuring prudent risk management.
• Ensure strict compliance with IFSCA NBFC guidelines, RBI regulations, internal credit policies, and audit standards.
• Collaborate with credit, operations, risk, legal, and sales teams to ensure smooth execution of business deals and policy alignment.

Required Skills & Competencies

• Credit & Risk Expertise: Strong knowledge of NBFC operations, credit underwriting practices, and risk evaluation frameworks.
• Financial Analysis: Proficiency in analyzing financial statements, balance sheets, cash flows, and ratios to assess creditworthiness and repayment capacity.
• Subjective & Objective Assessment: Ability to perform qualitative analysis (promoter/management evaluation, business model, governance) and quantitative analysis (financial ratios, collateral, DSCR, leverage).
• Business & Relationship Management: Skilled in building and maintaining long-term relationships with corporates, SMEs, and key stakeholders.
• Analytical & Decision-Making Skills: Strong problem-solving, analytical thinking, and independent decision-making capabilities.
• Portfolio Monitoring: Ability to track portfolio performance, identify early warning signals, and recommend corrective actions.
• Regulatory & Compliance Knowledge: Familiarity with NBFC guidelines, RBI regulations, internal credit policies, and audit standards.
• Technical Proficiency: Expertise in MS Excel, PowerPoint, financial modeling, and business analytics tools.
• Communication & Presentation: Excellent verbal and written communication skills; capable of presenting credit cases and analytical insights to senior management and committees.
• Flexibility & Travel: Willingness to travel PAN India for client visits, due diligence, and business development.
• Collaboration & Leadership: Ability to work independently and collaboratively in a fast-paced, compliance-driven NBFC environment.

Educational Qualification

• B.E./B.Tech in a relevant discipline (mandatory).
• MBA/PGDM in Finance, Business Management, or related specialization (preferred).
• Additional certifications in Credit Risk, Financial Analysis, or Banking & Finance will be an added advantage.

Experience

• Minimum 5 years of proven experience in NBFCs, SME lending, or financial services sector.
• Hands-on exposure to credit underwriting, financial statement analysis, risk assessment, and portfolio management.
• Experience in client relationship management, site visits, and due diligence preferred.
• Prior track record of working with corporates, MSMEs, and SME clients will be an added advantage.