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Job Title: Senior Credit Analyst – SME Lending (LAP & Working Capital)

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Location: Mumbai

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Experience: 8–12 years

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Industry: NBFC / Banking / Financial Services

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Role Overview

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We are seeking an experienced and detail-oriented Senior Credit Analyst to evaluate and underwrite credit proposals in the SME segment, with a strong focus on Loan Against Property (LAP) and Working Capital financing . The role involves end-to-end credit appraisal, risk assessment, and portfolio monitoring to ensure asset quality and compliance with internal policies and regulatory frameworks.

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Key Responsibilities

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1. Credit Appraisal & Underwriting

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- Conduct detailed credit analysis of SME borrowers, including financial statement analysis, cash flow assessment, and banking behavior.
- Evaluate proposals for LAP, working capital facilities, term loans , etc.
- Assess borrower repayment capacity using ratio analysis, sensitivity analysis, and projections.
- Perform property valuation analysis and collateral risk assessment for LAP cases.

2. Risk Assessment & Due Diligence n

- Identify key risks (financial, operational, industry, and promoter-related) and recommend mitigants.
- Conduct industry and sectoral analysis to support credit decisions.
- Evaluate credit bureau reports, legal and technical reports, and background checks.
- Ensure adherence to internal credit policy, risk frameworks, and RBI/NBFC guidelines.

3. Credit Recommendation & Approval Process n

- Prepare detailed credit appraisal notes (CAM) with clear risk-reward assessment.
- Present cases to credit committees and senior management for approvals.
- Structure deals, including pricing, covenants, collateral coverage, and exposure limits.

4. Portfolio Monitoring & Review n

- Monitor portfolio performance,



early warning signals, and stress indicators.
- Conduct periodic reviews of existing exposures and recommend corrective actions.
- Assist in managing delinquent accounts and restructuring proposals where required.

5. Stakeholder Coordination n

- Work closely with business, legal, technical, and operations teams for smooth deal execution.
- Support collections and recovery teams with credit insights in stressed cases.

6. Process & Policy Enhancement n

- Contribute to strengthening credit policies, underwriting standards, and risk models.
- Drive process improvements for faster and productive credit decisioning.

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Key Skills & Competencies

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- Strong understanding of SME lending, LAP, and working capital products
- Expertise in financial analysis, ratio analysis, and cash flow assessment
- Knowledge of credit risk frameworks, RBI regulations for NBFCs
- Ability to assess collateral and property valuation reports
- Strong analytical, decision-making, and presentation skills
- Proficiency in MS Excel and financial modelling

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Educational Qualifications

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- CA / MBA (Finance) / CFA or equivalent preferred

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Experience Requirements

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- 8–12 years of relevant experience in credit appraisal for SME lending
- Prior experience in NBFCs / Banks / Financial Institutions
- Hands-on exposure to LAP and working capital underwriting is mandatory

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Key Performance Indicators (KPIs)

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- Quality of credit underwriting (portfolio delinquency levels)
- Turnaround time (TAT) for credit decisions
- Compliance with policies and audit observations
- Portfolio health and early risk detection

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Preferred Attributes

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- High ownership and accountability
- Strong risk mindset with business understanding
- Ability to work in a fast-paced, growth-oriented NBFC environment

Apply on Kit Job: kitjob.in/job/4812cz

📌 Senior Credit Analyst (Nagpur)
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