ABOUT THE Job:

We are looking for a Senior Credit Analyst with 23 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.
- Positive 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.

Job Description

- 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