Financial Analyst

About the Role

We are seeking a proactive, analytical, and field-oriented Financial Risk Analyst to join Veeraraghavan & Co. In this role, you will act as the crucial link between financial assessment frameworks and on-the-ground reality. You will be responsible for visiting client and loan applicant business premises to conduct comprehensive financial health checks, risk evaluations, and verification. Please note that this is strictly a risk analysis and verification role—there is no sales, target-chasing, or marketing involved.

Key Responsibilities

• On-Site Client & Business Verification: Travel to business premises, operational units, and residential locations of loan or credit applicants to conduct firsthand financial checks and risk profiling.
• Personal Discussions & Fact-Finding: Conduct structured personal discussions with business owners, promoters, and borrowers to evaluate business stability, cash flow realities, and intent to repay.
• Asset & Collateral Assessment: Physically inspect business inventory, machinery, infrastructure, and asset quality to validate reported net worth and balance sheet details.
• Creditworthiness & Repayment Analysis: Analyze financial statements, business records, and day-to-day operations on-site to assess risk parameters, debt-servicing capabilities, and potential fraud red flags.
• Detailed Reporting for Lenders: Compile meticulous, factual, and standardized risk reports containing all required touchpoints and metrics needed by banks and financial institutions to make informed lending decisions.
• Compliance & Risk Mitigation: Ensure all observations strictly adhere to internal risk matrices, regulatory frameworks, and audit guidelines.

Key Requirements & Qualifications

• Education: Bachelor’s degree in Commerce, Accounting, Banking, Finance, or Management (B.Com, BMS, BBA, BFM).
• Field Readiness: High willingness to travel locally within assigned regions to meet business owners and assess operations on-site.
• Skills:
• Sound foundational knowledge of basic accounting, bookkeeping, and financial statements.
• Strong observational skills with absolute integrity and attention to detail.
• Clear interpersonal and communication skills to conduct effective personal discussions.
• Basic computer/tablet literacy for updating reports on digital platforms.

Pay: ₹20,000.00 - ₹22,000.00 per month

Work Location: In person