Company Description Oxyzo Financial Services focuses on understanding and addressing the financing needs of small and medium enterprises (SMEs) in India. The company offers customized credit solutions designed to help SMEs scale operations, increase revenue, and improve profitability. With collateral-free options, low-interest rates, and loan processing within 48 hours, Oxyzo has become a preferred partner for thousands of businesses and manages an AUM of over INR 11,000 crores.

Its offerings include flexible “Pay As Per Usage” credit lines, minimal documentation requirements, and tailored credit structures, as well as access to raw materials via OfBusiness with potential cost savings. Oxyzo’s mission is to support SME growth through efficient, accessible, and cost-effective financial products.

Role Description This is a full time, on-site role for a Credit Analyst: SME Lending, based in Politics of Chandigarh.

The Credit

Analyst will evaluate SME borrowers’ creditworthiness by analyzing financial statements, business performance, bank statements, and industry data. The role involves preparing detailed credit appraisal notes, recommending appropriate credit limits and structures, and ensuring compliance with internal risk policies and regulatory guidelines.

The Credit





Analyst will interact with relationship managers and clients to clarify financial information, obtain required documentation, and support timely loan decisions. Additional responsibilities include monitoring existing portfolios, identifying early warning signs, and contributing to continuous improvement of credit assessment processes.

Qualifications

Strong credit management capabilities, including assessment of SME borrowers and structuring of credit facilities.

Demonstrated analytical skills with proficiency in interpreting financial statements, cash flows, and business metrics.

Effective communication skills for clear reporting, stakeholder coordination, and client interactions.

Sound understanding of finance principles and credit risk concepts relevant to SME lending.

Professional qualification as a Chartered Accountant (CA) with 1–3 years of experience in credit or related finance roles.

Ability to work on-site in Politics of Chandigarh, manage multiple cases, and meet decision timelines.

Familiarity with Indian lending regulations, SME sectors, and risk management practices is an advantage.

Proficiency in MS Excel and financial analysis tools;

experience in NBFC or banking environments is beneficial.

📌 Credit Analyst: SME Lending - CA's - 1-3 yrs Exp (India)
🏢 Oxyzo Financial Services
📍 India