Senior Credit Analyst

Today, an Indian hospital revenue is largely dominated by Insurance payers - Govt + Private. With 200+ payers in the mix, the overall revenue cycle management (RCM) in India is broken, opaque, and complex filled with unexpected shortfalls and delayed realizations.

At Care.fi, we are building India’s first AI-led RCM platform for hospitals which will enable them to solve these pitfalls and thereby improving margins. Backed by marquee investors such as Peak XV (erstwhile Sequoia India) we are already a trusted partner for top Indian brands including Apollo, Fortis, Narayana Health, and Aster Group.

About the Role

Sr Credit Analyst (Supply Chain Finance)

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.