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: 2-4 YearsEmployment Type: Full-TimeReports To: Team Leader

Role

Primary job title: Credit Analyst (On-site, India)Role & Responsibilities

Perform end-to-end credit assessment for retail and SME loan applications: analyse financial statements, cash flows, and credit bureau data to determine creditworthiness.
Prepare clear, data-backed credit proposals and risk recommendations for sanction committees, ensuring compliance with credit policy and lending guidelines.
Underwrite loans using credit scoring and risk-rating models; apply appropriate collateral and covenant structures where applicable.
Conduct customer due diligence, field verification, and site visits for higher-risk cases; identify and document potential fraud or operational risks.
Monitor assigned loan portfolio: flag early warning signs, perform periodic reviews, and propose remediation or restructuring actions to minimise losses.
Collaborate with sales, collections, and operations teams to refine underwriting criteria, implement risk-mitigation strategies, and improve credit turnaround times.

Skills & Qualifications

Must-Have

Financial Statement Analysis
Credit Risk Assessment
Loan Underwriting
Credit Scoring Models
Risk Rating Models
Advanced Excel

Preferred

IFRS 9
Portfolio Monitoring

Additional Qualifications

Proven track record in credit analysis or lending within financial services or fintech. Strong analytical mindset with attention to documentation and regulatory compliance. On-site work requirement in India.Skills: underwriting,credit,risk,credit scoring,financial services,assessment,loan,data

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Credit Analyst