Job Description:

Job Summary:
We are looking for a detail-oriented and analytical Credit Analyst to assess and evaluate the
creditworthiness of clients for Loan Against Shares (LAS), Supply Chain Financing, and
Invoice Discounting. The ideal candidate will have robust financial analysis skills and a deep
understanding of risk management in the NBFC sector. The Credit Analyst will play a critical
role in ensuring that credit decisions align with the company's risk appetite and regulatory
requirements while supporting business growth.

Key Responsibilities:

Credit Assessment:
Conduct thorough financial analysis of clients seeking Loan Against Shares, Supply Chain
Financing, and Invoice Discounting.
Evaluate the creditworthiness of applicants by analyzing financial statements, balance sheets,
profit & loss statements, and cash flow projections.
Assess the value, liquidity, and risk associated with collateral (shares, invoices, etc.).
Risk Analysis and Underwriting:
Analyze the risk profile of each client and provide recommendations for credit limits, terms,
and conditions.




Ensure that all credit proposals comply with the company’s risk management framework and
regulatory guidelines.
Perform stress testing and sensitivity analysis to determine the potential risks under different
economic conditions.
Decision Making:
Prepare detailed credit reports with recommendations on loan approvals, rejections, or
modifications.
Collaborate with the business development and sales teams to structure financing deals that
balance client needs and risk appetite.
Review and approve loan disbursements in line with company policies and ensure timely
processing.

Portfolio Monitoring:
Continuously monitor the existing portfolio of loans and ensure regular reviews of borrower
performance.
Identify early warning signs of credit deterioration and recommend appropriate actions to
mitigate risks.
Provide insights on market trends and developments that could impact credit risk in the LAS,
Suppl

📌 Credit Analyst for Mumbai
🏢 RECEX
📍 Mumbai