Senior Analyst/ Lead Analyst - Business Loans

Company Description

Efficient Capital Labs (ECL) is transforming how global B2B AI and SaaS companies access non-dilutive growth capital. ECL provides fast financing to start-ups with U.S. revenue and cross-border operations, enabling founders to scale without giving up equity or control. Using a proprietary underwriting model, ECL evaluates real-time business performance, SaaS KPIs, and revenue data to offer up to $5M in capital within 72 hours.

Role Description Senior Analyst/ Lead Analyst – Risk – Business Loans role is a full-time, hybrid position based in Bengaluru, The analyst will assess credit risk for business loan applications, review financial statements and revenue data, and analyse metrics and operational performance to support lending decisions. Day-to-day responsibilities include conducting detailed risk analysis, building and maintaining risk models, preparing clear risk assessment reports, and recommending appropriate credit limits and terms. The role also involves monitoring portfolio performance, identifying early signs of credit deterioration, and collaborating with underwriting, finance, and operations teams to refine risk policies and processes. The analyst will contribute to the continuous improvement of ECL's proprietary underwriting framework and support data-driven decision-making across the business.

Qualifications

• Candidates should possess strong Analytical Skills and Risk Analysis capabilities to evaluate business loan applications and portfolio performance.
• Candidates should possess Finance knowledge and experience working with financial statements, cash flow.
• Strong in Python and Reporting tools
• Good to have good knowledge in Predictive Modelling
• Good to have capability to solve the problem using LLM frameworks.
• Candidates should possess Data Analysis skills, including proficiency with spreadsheets and analytics tools to interpret quantitative risk data.
• Candidates should possess clear and effective Communication skills for preparing reports and collaborating with internal and external stakeholders.
• Relevant qualifications such as a bachelor's degree in finance, economics, business, statistics, or a related field; experience in credit risk, commercial lending, or fintech is beneficial.
• Ability to work in a fast-paced, high-growth environment; attention to detail; sound judgment; and familiarity with B2B business models are advantageous.