Job
Description
Location: ChennaiDepartment: Credit & Risk – MSME LendingEmployment Type: Full-timeRole Summary:We are looking for a detail-oriented Credit Analyst with 3 years of relevant experience in MSME lending. The ideal candidate will be responsible for assessing the creditworthiness of small and medium enterprises supporting sound credit decisions to enable responsible lending and portfolio growth. Key Responsibilities:Assess credit proposals for MSME clients by analyzing financials, bank statements, GST data, and bureau reports.Prepare comprehensive credit appraisal notes including risk assessment, financial analysis, and recommendation of credit limits/structures.Interact with clients, channel partners, and field officers to gather qualitative business and promoter-level insights.Perform due diligence checks, KYC verifications, and site visits (if required).Recommend appropriate credit solutions tailored to MSME needs and aligned with internal risk policies.Regularly monitor portfolio performance and track early warning signals (EWS).Maintain credit quality and ensure TAT (turnaround time) benchmarks are met for all proposals.Contribute to the refinement of credit policies, scorecards, and industry benchmarks for MSMEs. Required Qualifications & Skills:Graduate in Finance, Commerce, or Economics. MBA (Finance) / CA / CFA Level 1-2 preferred.Minimum 3 years of experience in credit analysis or underwriting within the MSME lending space (NBFCs, banks, or fintech).Strong understanding of financial statements, cash flow analysis, and working capital assessment specific to small businesses.Familiarity with credit bureau reports (CIBIL, CRIF, Equifax), GST data, and digital underwriting tools.Hands-on experience with Excel and financial modeling; CRM or LOS/LMS system knowledge is a plus.Good communication and interpersonal skills; ability to convey risk insights clearly to stakeholders.Preferred Attributes:Exposure to secured and unsecured MSME loan products (e.g., working capital loans, term loans, LAP).Understanding of various MSME segments like traders, manufacturers, and service providers.Field-level exposure or experience in underwriting in semi-urban/rural geographies is an advantage.
