Location: Pune - Work from Office

Working Days: Monday to Saturday

Working hours: 10:00 AM to 6:30 PM

Experience required: 2-5 years

CTC: Rs 4.20 lakh to 7.5 Lakh, depending on practical skills and experience

Reports to: Head (Business Operations)

Please check before applying

Apply only if all the following are true:

- You have 2-5 years of relevant experience in credit, lending, banking, an NBFC, a CA firm, debt advisory or loan operations.
- You have prepared CMA data and financial projections independently.
- You can understand a profit and loss account, balance sheet, GST returns, bank statements and existing loan statements.
- You are comfortable doing both financial analysis and case coordination.
- You are willing to work from our Pune office, Monday to Saturday.
- You are comfortable with occasional visits to bank branches in Pune.

Please do not apply if:

- You are a fresher with no relevant practical experience.
- Your experience is only in sales, tele-calling or lead generation.
- Your experience is limited to bookkeeping, GST filing or income-tax-return filing.
- You have never prepared or worked on CMA data or financial projections for complex projects.
- You are looking for a work-from-home or five-day position.
- You want a purely desk-based analyst role with no client, accountant or lender coordination.

About Finansh:

Finansh is a Pune-based debt-advisory, capital-structuring and credit-intelligence firm.

We work with individuals, MSMEs, promoters and renewable-energy businesses. Our work includes working capital, term loans, machinery finance, property-backed lending, HNI home loans and renewable-energy project finance.

Business mandates generally begin at Rs 5 Crore, and Finansh works across a network of 18+ lending institutions.

This is an in-house position with direct exposure to the Founder and Head of Business Operations.

About the Role:

We need a Credit Associate who can understand a borrower’s financial position and also take responsibility for moving the case forward.

This is deliberately a mixed role:

- Approximately 45% credit analysis and preparation
- Approximately 40% case execution and coordination




- Approximately 15% post-disbursement and compliance support

The exact mix will vary depending on the cases being handled. This role suits someone who wants to understand and own the complete lending process-not only prepare spreadsheets or only follow up for documents.

What you will do:

Credit Analysis:

- Analyze audited and provisional financial statements, income-tax returns, GST returns, bank statements, existing loans, CIBIL/credit-bureau reports and repayment history.
- Prepare CMA data, financial projections, cash-flow statements and loan-repayment calculations.
- Calculate and understand ratios such as current ratio, debt-equity, TOL/TNW, DSCR and ISCR.
- Check whether information in financial statements, GST returns, bank statements and loan records is consistent.
- Identify important discrepancies or missing information before submitting a case to a lender.
- Prepare borrower summaries, initial credit notes and replies to lender queries.
- Assist in assessing working-capital, term-loan, machinery-finance, property-backed, renewable-energy and complex self-employed borrower cases.
- Maintain clear assumptions and supporting sources for financial models.

Case Execution:

- Own assigned cases from document collection through lender submission, sanction conditions and disbursement.
- Maintain clear document checklists, pending requirements, next steps and target dates.
- Coordinate with clients, accountants and lender representatives for documents and clarifications.
- Review files for completeness before internal review or lender submission.
- Track lender queries, approvals, sanction conditions, documentation and disbursement progress.
- Support interest-payment follow-ups, lender audits and other assigned post-disbursement requirements.




- Visit Pune bank branches when a case requires proper coordination, clarification or compliance support.

Routine courier and document-delivery work is not the purpose of this position.

Qualifications and Skills:

- MBA Finance, M.Com, CA or CMA. (Preferred)
- Strong accounting and financial-statement understanding.
- Practical Excel skills, including formulas, linked schedules and financial models.
- Ability to explain financial movements and credit issues clearly.
- Qualified written and spoken English.

Growth at Finansh:

A robust Credit Associate can progress towards a Senior Credit Associate position and ownership of a defined case portfolio or lending vertical within approximately 18–24 months.

Progression depends on work quality, judgement, reliability and the ability to handle cases independently.

Selection Process:

- Initial application screening.
- Shortlisted candidates will be invited for one office visit.
- The office visit will normally include:
- a. A practical exercise using sample financial and case information.
- b. Discussion of the candidate’s approach.
- c. Interviews with the Head of Business Operations and Founder.
- Reference and background checks will follow for the selected candidate.

Please do not visit the Finansh office without a confirmed interview appointment. Walk-in applications will not be considered.

How to Apply:

Submit your CV together with answers to all the following questions:

- How many years of relevant credit or lending experience do you have?
- How many CMA or financial-projection assignments have you prepared?
- Did you prepare them independently or under supervision?
- Which loan products and borrower profiles have you handled?
- Have you coordinated any case from application through sanction or disbursement?
- Are you comfortable working from the Pune office, Monday to Saturday?
- Are you comfortable with occasional Pune branch visits?
- What are your current location, current CTC, expected CTC and notice period?

Applications without answers to these questions may not be reviewed.

📌 Credit Associate - MSME & Retail Lending (Maharashtra)
🏢 Finansh
📍 Maharashtra