About Amplio Invest:

At Amplio, we’re focused on transforming the financial landscape through innovative, technology-led lending and investment solutions. Our core offerings, including Invoice Discounting and Amplio Wealth, are designed to empower both investors and businesses to take control of their financial futures.

We operate as a fast-growing financial services platform with a strong focus on SME and enterprise lending across India, delivering customized, scalable, and sustainable credit solutions. Our presence spans key commercial hubs such as Mumbai, Amritsar, and Gurgaon, and we partner with a diversified base of institutional lenders, financial institutions, and alternative capital providers.

https://amplioinvest.in/

Role Overview

We are looking for a detail-oriented and analytical Credit Risk Analyst to support underwriting and portfolio risk management for supply chain finance and working capital lending.

The role involves evaluating borrower profiles, analyzing financials, assessing transaction risks, and assisting in credit decisioning while ensuring adherence to internal policies and regulatory guidelines.

Key Responsibilities

1. Credit Underwriting Support

- Analyze loan proposals including:
- Invoice discounting
- Trade receivables financing
- Working capital loans
- Review borrower financials (balance sheet, P&L;, cash flows)
- Conduct ratio analysis and assess repayment capacity
- Perform bank statement analysis and cash flow validation
- Prepare credit appraisal notes / memos

1. Risk Assessment

- Evaluate: Borrower risk (SMEs / vendors), Counterparty risk (anchor corporates), Industry and sector risks
- Assess: Debtor ageing, Payment cycles, Concentration risks, Highlight key risks and recommend mitigants

1. Credit Decision Support





- Assist senior team in structuring deals: Credit limits, Tenor, Pricing inputs, Provide data-backed recommendations for approval / rejection
- Ensure documentation and compliance before disbursal

1. Portfolio Monitoring

- Track portfolio performance: Delinquencies, Over dues, Early warning signals
- Prepare MIS reports and dashboards
- Support vintage and trend analysis

1. Policy & Compliance

- Ensure adherence to: Internal credit policies, RBI / NBFC guidelines
- Maintain proper credit documentation
- Coordinate with: Legal, Compliance, Operations teams

1. Cross-Functional Coordination

- Work closely with: Sales team for deal inputs, Operations for disbursement
- Collections team for repayment tracking
- Ensure smooth credit lifecycle execution

Eligibility Criteria:

Experience

- 2–5 years in:
- NBFC / Bank / Fintech lending
- Experience in:
- SME lending / working capital / SCF preferred

Educational Qualification

- CA / MBA (Finance) / CFA / B.Com / equivalent

Required Skills

- Solid financial analysis & accounting fundamentals
- Understanding of:
- Working capital cycle
- Trade receivables
- Ability to read and interpret financial statements
- Good Excel and data analysis skills
- Attention to detail and risk awareness

Preferred Skills

- Exposure to:
- Invoice discounting / supply chain finance
- Familiarity with:
- Credit bureau reports (CIBIL / CRIF)
- Experience in underwriting tools / LOS systems

Key Traits

- High attention to detail
- Strong analytical thinking
- Willingness to question assumptions
- Risk-first mindset
- Ability to work in a fast-paced environment

Growth Path

- Credit Risk Analyst → Senior Analyst → Credit Manager → Underwriter

If you are keen in exploring this opportunity please fill in the Tally form https://tally.so/r/RG8gRP for the screening process

📌 Credit Risk Analyst (Mumbai)
🏢 Amplio Invest
📍 Mumbai