Financial Analyst - Credit

Job Purpose
The Financial Analyst will be responsible for analyzing partners' financial statements and preparing key financial metrics to support credit evaluation and risk assessment. The role involves monitoring accounts receivable, preparing ageing reports, supporting collections, and collaborating closely with the Business Development and Finance teams to ensure effective credit risk management while maintaining strong customer relationships.

Key Responsibilities

• Analyze financial statements, including Profit & Loss Accounts, Balance Sheets, and Cash Flow Statements.
• Prepare financial ratios and key performance indicators for credit evaluation.
• Conduct preliminary credit assessments and support credit approval recommendations.
• Monitor and manage Accounts Receivable.
• Prepare daily, weekly, and monthly ageing reports.
• Coordinate with the Business Development team to follow up on outstanding receivables.
• Prepare collection reports and monitor overdue payments.
• Support customer credit reviews and maintain required documentation.
• Identify potential credit risks and recommend corrective actions.
• Maintain accurate customer financial records.
• Coordinate with internal stakeholders to resolve collection-related issues.
• Prepare MIS reports and dashboards for management review.
• Possess a working knowledge of GST, TDS, PF, PT, and statutory compliance requirements.

Core Knowledge Areas

• Financial Statement Analysis
• Credit Evaluation & Credit Risk Assessment
• Accounts Receivable Management
• Ageing Analysis
• Collection Management
• Basic Financial Modelling
• GST & TDS (Basic Understanding)
  

Technical & Functional Skills

• Financial Analysis
• Credit Risk Assessment
• Accounts Receivable Management
• Advanced MS Excel
• MIS Reporting
• Knowledge of Microsoft Dynamics ERP will be an added advantage.

Preferred Experience

• Experience in Leasing, NBFC, Banking, or Financial Services.
• Hands-on experience in financial statement analysis and receivables management.
• Exposure to credit evaluation and collection processes.
• Experience working with Microsoft Dynamics ERP is preferred.

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