Credit Analyst — MSME Working Capital

Entity:
Quick Cashflow Capital Private Limited (QCF Capital) — NBFC-ND, part of the FinAGG group
Location:
Noida, Uttar Pradesh (work from office)
Experience:
2–5 years
Reports to:
Credit Manager / Head of Credit
Employment type:
Full-time

About Us

QCF Capital is the on-book lending arm of the FinAGG group, a technology-first MSME lending platform. We underwrite small businesses using GST, banking and bureau data — not just balance sheets — and lend through a mix of our own book and co-lending partnerships with leading NBFCs and banks. We crossed ₹100 Cr AUM within our first year of operations and are scaling rapid across working capital, channel finance and drop-line overdraft products.

If you want to do real credit work on thousands of MSME files — with data and tech doing the heavy lifting instead of paper — this is the seat.

The Role

You will own end-to-end credit appraisal for MSME working capital proposals: reading the numbers, forming a view, writing it down clearly, and defending it.



This is a hands-on underwriting role, not a coordination role.

Key Responsibilities

Credit appraisal
- Assess MSME working capital, channel finance and drop-line OD proposals within delegated authority and turnaround timelines.
- Analyse GST returns (GSTR-1, GSTR-3B, GSTR-2A/2B), bank statements, bureau reports (CIBIL / CRIF commercial and consumer), financials, and GST-derived turnover trends to arrive at eligible limits.
- Assess buyer/supplier concentration, sales seasonality, related-party flows, cash-flow cycles and working capital gap.
- Prepare Credit Appraisal Memos (CAMs) with a clear recommendation, structure, covenants and conditions precedent.

Decisioning and documentation
- Present cases to the Credit Committee; document deviations with justification and obtain appropriate approvals.
- Run and interpret RCU / field verification / legal and valuation inputs where applicable; resolve discrepancies before disbursal.
- Ensur

📌 Credit Analyst — MSME Working Capital (Noida)
🏢 FINAGG Technologies Private
📍 Noida