Business Analyst - Mid Market Working Capital SCF - Vadodara

Business Analyst | Aditya Birla Finance Ltd. (Mid-Market & SCF)

Eligibility: MBA/Masters in Finance with 3-4 years of relevant experience.

Role Summary: Responsible for credit appraisal and underwriting of Mid-Market & Supply Chain Finance (SCF) cases, ensuring sound credit decisions, portfolio monitoring, timely renewals, and adherence to risk policies while maintaining quick turnaround times (TAT).

Key Responsibilities:

• Analyze and underwrite credit proposals using financial, business, and risk assessments.
• Evaluate borrower creditworthiness and recommend approval/rejection decisions.
• Collaborate with sales, risk, legal, and operations teams for deal structuring and faster sanctions.
• Monitor existing portfolios, renewals, DPDs, covenant compliance, and annual reviews.
• Support anchor program reviews and post-sanction surveillance.
• Build strong relationships with clients and internal stakeholders while balancing growth and risk.
• Assist in training and mentoring junior credit analysts.

Key Skills: Credit Analysis • Financial Statement Analysis • Commercial Lending • Risk Assessment • Loan Structuring • Portfolio Monitoring • Stakeholder Management • Supply Chain Finance (SCF) • Mid-Market Lending

Ideal Candidate: A credit professional with strong analytical skills, commercial lending experience, stakeholder management capabilities, and the ability to make prudent credit decisions in a fast-paced environment.