ABOUT ZIPPMAT

India's leading sustainable construction materials marketplace.

Building the nation's largest platform for sustainable, high-quality building solutions.

We connect projects with a curated portfolio of creative materials from trusted Indian and global manufacturers — improving construction performance, optimizing costs, and reducing environmental impact.

Backed by strong manufacturing partnerships, rigorous quality testing, a pan-India fulfilment network, and real-time delivery tracking, ZippMat delivers materials to sites on time, every time, with consistent quality.

Our digital procurement platform simplifies large-scale sourcing for projects of all sizes — enabling faster access, dependable availability, and competitive pricing.

Alongside our marketplace, we're also building advanced sustainable products:

- EkoBar (Composite Rebars): Sustainable corrosion-free rebars — 2x stronger (tensile), 4x lighter & up to 30% cheaper than traditional steel, with an 80+ year lifespan.
- EkoBlend (GGBS): A green cement substitute made from the waste by-products of steel manufacturing — enhances concrete durability, reduces CO₂, and saves up to 30% vs. traditional cement.
- TarShakti (Bitumen & Emulsions): High-performance solutions for roads and highways — stronger, longer-lasting infrastructure.
- EkoSand (Manufactured Sand): A sustainable & cost-effective alternative to river sand, with consistent quality, controlled fineness, and reliable performance. ZippMat's integrated ecosystem of materials and technology helps projects build faster, choose smarter, and execute more sustainably.

Smarter Materials. Stronger Infrastructure. Sustainable Future.

Since our founding in 2021, we've fulfilled over 1000 Cr worth of orders,



completed 10,000+ deliveries, and built a trusted supplier base of 500+ partners, serving customers pan-India. Backed by top-tier investors like Z47 (formerly Matrix Partners), Zephyr Peacock, and HDFC, we're building the future of how India moves material

Join us as we reshape Bharat's supply chains — building faster, choosing smarter, and executing more sustainably.

ABOUT THE Job

We are looking for a Senior Credit Analyst with 2–3 years of experience, a strong NBFC background, and expertise in corporate/company-level credit underwriting.

Key Requirements:

- 2–3 years of relevant experience in credit underwriting.
- Strong experience in credit underwriting for companies/businesses, rather than individual or retail underwriting.
- Prior experience working with an NBFC is mandatory.
- Good understanding of corporate credit assessment, financial analysis, risk evaluation, and underwriting.
- Hands-on experience in evaluating company-level credit proposals and making sound credit decisions.
- Candidates who are actively looking for a change are encouraged to apply.

NBFC experience and corporate/company-level credit underwriting experience are mandatory for this role.





- Designing and formulating credit underwriting for supply chain finance and strategize & partner in technology implementation to enable digital journey in supply chain financing process.
- Responsible for conducting detailed research on the financial history of businesses and their related parties/ individuals to determine their creditworthiness.
- Reviewing and verifying financial statements (like Balance Sheet, P&L;, Cashflow), GSTR 3B filings, Bank Statements, credit rating report, KYC and other financial documents to develop a customer’s/prospect profile and arrive at a credit recommendation.
- Building scorecard-based credit risk decision models and strategies driven by cashflow based approach in the fintech domain.
- Ensure policy compliance and underwriting standards, thereby maintaining standard portfolio quality through monitoring account conduct, credit limit, contribution margins, credit rating movement.
- Working closely with technology and business team leaders to build out new credit acquisition and risk management capabilities and refine the existing ones.
- Co-ordinating with external financial partners banks/ NBFCs to explore best suited facility structure basis pros and cons.
- End to end review of credit operations process and keeping a close track of exceptions/ deferrals at sanction and transaction levels.
- Undertake secondary research to be abreast with economy & industry trends, regulatory requirements and key management personnel background check
- Opportunity to have a direct interface with corporate customers and come up with the learning curve via engagement with modules: Banking instruments like BG, LC, LCBD, Invoice Discounting, Supply chain finance, financial reporting, AR management etc.

How to Apply Send your resume to [email protected]

📌 Senior Credit Analyst (Bengaluru)
🏢 Zippmat
📍 Bengaluru