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Credit Analyst

Greenizon Agritech Consultancy

2 - 4 years

8 - 9 Lacs

Mumbai

Posted:1 week ago| Platform:

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Skills Required

Credit Analyst Loans Underwriting Analytical Credit analysis Credit rating Portfolio management Financial modelling Analytics Monitoring

Work Mode

Work from Office

Job Type

Full Time

Job Description

Position: Credit Analyst

As a Credit Analyst, you will play a critical role in evaluating the creditworthiness of borrowers, monitoring portfolio risk, and ensuring robust credit practices. This position offers a blend of hands-on portfolio management, credit assessment, and cross-functional collaboration with key teams such as Operations, Legal, Tech, and Compliance.

Roles & Responsibilities:

Conduct comprehensive credit analysis, including financial statements, cash flows, business performance, projections, and external data to assess creditworthiness.
Prepare Credit Appraisal Memos (CAMs) and supporting documentation for internal and external stakeholders, including lenders.
Monitor portfolio health and credit risk at both transaction and portfolio levels.
Identify early warning signals (EWS) in borrower accounts and work with business teams to recommend mitigation strategies.
Support the Operations team in updating credit policies and frameworks in line with risk appetite, profitability, and growth goals.
Perform ad-hoc and deep-dive analysis to identify drivers of credit performance and recommend actions.
Engage with internal stakeholders, including Operations, Legal, Audit, Compliance, and Tech, to ensure seamless credit lifecycle management.
Stay updated on rural economic trends and assess their potential impact on credit risk and lending strategies.
Participate in cross-functional discussions and contribute to high-quality credit decisions with a balanced risk-reward approach.

Competencies:

Strong analytical, financial, and business evaluation skills.
Ability to conduct in-depth analyses of financial statements, GST, and operational data.
Working knowledge of financial modelling, credit scoring, and portfolio analytics.
Ability to work in a high-volume and fast-paced environment.
Effective communicator with the ability to collaborate across functions and present complex ideas clearly.
High attention to detail with a structured and data-driven problem-solving approach.
Ability to deliver professional analyses on spreadsheets and presentations

Qualification:

CA or MBA in Finance from a reputed institute.
2-4 years of experience in credit evaluation, underwriting, or credit research, preferably in Banks, NBFCs, fintech, credit rating agencies, or mutual funds.
Experience in conducting Credit Assessment of business loans in Banks, NBFCs, or fintech will be a strong advantage.

Location:

BKC, Mumbai

Setup:

Full-time work from office

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Greenizon Agritech Consultancy

Agritech Consultancy

Farmington

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Credit Analyst