Senior Analyst - Credit

Sr Analyst - Credit (Supply Chain Finance)

Wholl work closely with the business, risk, and operations teams to ensure prudent credit decisions while maintaining portfolio quality and supporting business growth.

Key Responsibilities

• Conduct detailed

  credit appraisal

  and

  financial analysis

  of borrowers (SMEs and Hospitals).
• Evaluate

  bank statements, financials, GST data, bureau reports

  , and other documents to assess creditworthiness.
• Prepare and present

  credit proposals / notes

  to the credit committee.
• Structure appropriate

  lending products

  within policy parameters.
• Coordinate with

  sales and operations

  for smooth onboarding and disbursal.
• Monitor portfolio health and highlight

  early warning signals (EWS)

  or stressed accounts.
• Support in policy formation, credit scoring model refinement, and process improvement initiatives.

Desired Skills & Competencies

• Strong understanding of

  supply chain finance, receivable financing, and MSME lending.

• Excellent analytical and financial statement interpretation skills.
• Proficiency in

  MS Excel

  , financial modeling, and credit tools.
• Sound knowledge of

  RBI/NBFC regulatory guidelines

  and risk frameworks.
• Strong interpersonal, communication, and presentation skills.
• Ability to work in a fast-paced, growth-oriented fintech environment.

Eligibility

• Experience:

  Minimum 3 years in credit underwriting / supply chain / SME / business loans (mandatory).

• Education:

  MBA in Finance (mandatory); CA preferred.

• Industry Preference:

  NBFCs, Banks, or Fintechs specializing in working capital finance.

What We Offer

• Opportunity to work in a

  fast-scaling fintech-NBFC

  with a strong credit culture.
• Exposure to

  innovative supply chain finance models

  and cutting-edge digital lending platforms.
• Competitive compensation and career growth opportunities.