Credit Analyst - NBFC

Responsibilities

• Analyse loan applications and assess borrower repayment capacity.
• Conduct financial analysis using bank statements, ITRs, GST returns, bureau reports, financial statements, and other supporting documents.
• Prepare detailed credit appraisal notes and recommend approval, decline, or conditional approval.
• Verify income, business stability, cash flows, leverage, and repayment behaviour.
• Evaluate collateral and security aspects for secured lending products.
• Ensure compliance with internal credit policies, lending guidelines, and regulatory requirements.
• Coordinate with sales, operations, legal, technical, and collections teams during the underwriting process.
• Identify potential fraud, policy deviations, and credit risks.
• Monitor portfolio quality trends and provide feedback for policy improvements.
• Support automation initiatives by assisting in refinement of underwriting rules and BRE Requirements.
• Products Covered Personal Loans Business Loans Loan Against Property (LAP) Loan Against Securities (LAS) EV Loans Other retail and SME lending products.

Desired Candidate Profile

• Educational Qualification CFA / B.Com / M.Com or equivalent qualification.
• Experience 2-5 years of relevant credit underwriting experience in NBFC, Bank, Fintech, HFC, or lending institution.
• Experience in retail and SME lending preferred.

Technical Skills

• Financial statement analysis.
• Bank statement assessment and cash flow analysis.
• Credit bureau report interpretation.
• Knowledge of GST and ITR analysis.
• Understanding of collateral assessment and secured lending.
• Strong Excel and analytical skills.
• Familiarity with LOS/LMS platforms and digital underwriting systems.

Competencies

• Strong analytical and decision-making ability.
• Attention to detail.
• Risk assessment mindset.
• Good communication and documentation skills.
• Ability to work in a fast-paced lending environment.

Key Performance Indicators (KPIs)

• Credit TAT adherence.
• Portfolio quality and delinquency performance.
• Accuracy of credit assessments.
• Policy compliance rate.
• Quality of credit appraisal notes.
• Productivity and case throughput.

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