Senior Credit Risk Analyst

About Anupam Finserv:

Anupam Finserv is a listed NBFC focused on building innovative lending products for both consumers and businesses. We are a young, ambitious team committed to rapid growth, continuous learning, and taking ownership as we scale.

Role: Senior Credit Risk Analyst (Wholesale Credit)

Location: Goregaon West, Mumbai

Work Model: On-site

About the Role:

We are looking for a Senior Credit Risk Analyst to join our Financial Institutional Lending Team.

Key Responsibilities:

• Work on credit appraisals for mid-market corporates and financial institutions (NBFCs), analysing financial statements, cash flows, business models, and management quality.
• Draft credit notes, rating rationales, and detailed risk assessments.
• Participate in client meetings, due diligence, and industry/peer benchmarking.
• Partner with business teams to evaluate deal structures, covenants, and risk mitigants.
• Track portfolio health through exposure analytics, rating changes, and early warning indicators (EWI).
• Assist in building sectoral risk frameworks by analysing macro and micro trends.
• Contribute to stress testing, scenario modelling, and limit utilisation monitoring.
• Support quarterly portfolio reviews, dashboards, and presentations.
• Collaborate with Data Science and Tech teams to build credit models, scorecards, and visual dashboards.
• Support validation, back-testing, and continuous improvement of risk models.
• Help automate reporting and monitoring of key risk metrics.
• Assist in drafting and refining risk policies, SOPs, and internal guidelines.
• Monitor compliance against risk appetite thresholds and escalate deviations.
• Coordinate with audit and compliance teams for reviews and documentation.

Desired Skills & Qualifications:

• CA with 3–6 years of experience in credit, risk, or financial analysis.
• Strong command of financial statement analysis, ratios, and cash flow modelling.
• Prior exposure to underwriting/auditing Financial Institutions.
• Detail-oriented, analytical, and risk-first mindset.
• Excellent written and verbal communication skills.

What You'll Gain:

• Exposure to mid-market lending, structured finance, and institutional credit risk frameworks.
• Working with the management and being part of the decision making.
• A collaborative, high-performance environment designed for growth and ownership.
• Opportunity to front face and lead the negotiations to structure the deal.