Company Introduction
Growthally Advisors Pvt. Ltd. is a distinguished Investment Banking and Advisory firm specializing in Debt Syndication, Equity Solutions, Mergers & Acquisitions Advisory, Leasing, Structured Mortgages, and Growth CFO services. With over 15 years of legacy in India’s financial services sector, we are also launching our SEBI-registered AIF Fund and Credit Fund, further strengthening our integrated financial ecosystem.Led by a dynamic team of Chartered Accountants, former senior bankers, and experienced MBA professionals, Growthally combines deep industry insight with strong execution capabilities to deliver superior financial outcomes. With offices across Mumbai, Pune, Delhi, and Bangalore and a 50+ member team, we bring intellectual agility, data-driven decision making, and value-driven advisory excellence to every engagement.
Position Details
Department:
Debt Syndication
Location:
Andheri East, Mumbai (On-site)Experience: 1-3 YearsEmployment Type: Full-TimeReports To: Team Leader
Role Overview
The Credit Analyst will be responsible for end-to-end appraisal of debt proposals, including detailed financial, credit, economic, and risk analysis. The role demands strong financial modelling skills, understanding of lending products, and the ability to prepare high-quality presentations and recommendations.This position works closely with internal deal teams, lenders, and clients to ensure accurate assessments and seamless execution of debt mandates.
Key Responsibilities
- Financial & Risk Analysis
- Undertake appraisal of proposals for debt raise across SMEs and corporates.
- Conduct detailed financial feasibility studies including:
- Financial modelling
- CMA preparation
- Ratio analysis
- Cash flow analysis
- Evaluate borrower creditworthiness through historical performance, projections, and industry benchmarking.
- Identify early-warning indicators, risk areas, and suggest mitigation strategies.
- Presentation & Reporting
- Prepare and deliver high-quality presentations such as:
- Pitch decks
- Investment memos (IM)
- Detailed credit notes
- Teasers
- Draft executive summaries capturing the essence of the proposal and key analytical outcomes.
- Client Advisory & Coordination
- Understand client business models, capital requirements, and financial health to provide advisory inputs.
- Participate in client meetings to assess needs and gather relevant data.
- Coordinate with internal teams (BD, RM, Legal) to ensure end-to-end execution of proposals.
- Banking Products & Industry Knowledge
- Maintain comprehensive knowledge of lending products such as:
- Working Capital (CC/OD)
- Term Loans
- LAP / Structured Finance
- Stay updated with RBI guidelines, banking norms, and credit regulatory frameworks.
- Data & Documentation Management
- Gather, organize, and analyse data required for credit appraisal.
- Maintain accurate documentation and audit-ready records for all evaluations and decisions.
- Ensure completeness of application files, offer letters, and sanction notes.
- Compliance & Monitoring
- Ensure all assessments adhere to internal credit policies and regulatory norms.
- Monitor existing credit exposures and update limits when required.
- Track portfolio performance to identify changes in risk profile.
Core Functional Skills
- Strong analytical skills with deep understanding of financial statements.
- Expertise in financial modelling and advanced Excel.
- Ability to prepare professional, investor-grade reports and presentations.
- Understanding of banking products, credit policies, and underwriting norms.
- Strong research capability for industry & borrower analysis.
Behavioral Competencies
- High attention to detail and accuracy.
- Strong communication, presentation, and interpersonal skills.
- Problem-solving approach with ability to work under tight timelines.
- Self-motivated, disciplined, and proactive.
- Ability to collaborate effectively with cross-functional teams.
Candidate Profile
Education:
B.Com, BAF, BMS, MMS/MBA (Finance preferred)
Experience:
1-3 years in credit analysis, debt appraisal, or related financial roles.Additional Attributes:
- Strong ownership and accountability
- Go-getter attitude
- High energy and persistence
Skills: risk,teams,documentation,skills,presentations,capital,credit,data,financial modelling
