Roles and 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 setting.

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.

📌 Credit Analyst (Haryana)
🏢 FINDOC INVESTMART
📍 Haryana