Credit Analyst MSME Working Capital Entity Quick Cashflow Capital Private Limited QCF Capital NBFCND part of the FinAGG group Location Noida Uttar Pradesh work from office Experience 25 years Reports to Credit Manager Head of Credit Employment type Fulltime About Us QCF Capital is the onbook lending arm of the FinAGG group a technologyfirst 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 colending partnerships with leading NBFCs and banks We crossed 100 Cr AUM within our first year of operations and are scaling fast across working capital channel finance and dropline 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 endtoend credit appraisal for MSME working capital proposals reading the numbers forming a view writing it down clearly and defending it This is a handson underwriting role not a coordination role Key Responsibilities Credit appraisal Assess MSME working capital channel finance and dropline OD proposals within delegated authority and turnaround timelines Analyse GST returns GSTR1 GSTR3B GSTR2A 2B bank statements bureau reports CIBIL CRIF commercial and consumer financials and GSTderived turnover trends to arrive at eligible limits Assess buyer supplier concentration sales seasonality relatedparty flows cashflow cycles and working capital gap Prepare Credit Appraisal Memos CAMs with a explicit 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 Ensure sanction terms PDDs and postdisbursement documents are complete and compliant with the credit policy and RBI norms Portfolio monitoring Track borrower health on a recurring basis using monthly GST filings repayment behaviour bureau refresh and collections feedback flag early warning signals Support renewals enhancements and limit reviews on existing parent limits Contribute to portfolio reviews delinquency rootcause analysis and policy feedback loops Partner and process Work with colending and partner lenders on filelevel queries deviation approvals and portfolio reporting Work with product and technology teams to sharpen the BRE scorecard rules flag where the rules are letting through bad files or blocking good ones Maintain auditready credit files and support internal audit statutory audit and lender due diligence What You Need Must have 25 years of credit underwriting experience with an NBFC bank or digital lending platform in MSME SME business loans secured or unsecured working capital Graduate in Commerce Finance Economics or related CA Inter Final MBA Finance CFA or equivalent preferred Handson ability to read GST returns bank statements and bureau reports and independently form a credit view Financial statement analysis spreading ratio analysis working capital assessment cashflowbased lending logic Solid written English CAMs are read by credit committees colenders and auditors Advanced Excel Good to have Exposure to GSTbased or cashflowbased underwriting rather than purely financialstatementbased lending Experience in supply chain channel finance invoice discounting or anchorled programs Familiarity with RBI Digital Lending Guidelines colending CLM2 frameworks and LSP NBFC operating models Working knowledge of LOS LMS platforms and comfort querying data SQL is a plus What We Look For Judgement over checklists Policy is the floor not the ceiling We want someone who can say the file passes but heres why Im not comfortable Ownership Your name on the CAM means you stand behind the call good outcome or bad Speed with discipline MSME lending is won on turnaround time We do not trade that against credit quality we do both Honesty Accountability Transparency Escalate a mistake early We are far more forgiving of an error owned than one discovered Success in the First 6 Months Independently underwriting files within delegated authority at agreed TAT and quality standards CAM quality that clears credit committee and lender due diligence without rework Demonstrated contribution to at least one policy or BRE improvement backed by portfolio evidence Clean audit and PDD compliance on files owned Compensation Competitive benchmarked to experience and current CTC Performancelinked variable component

📌 Credit Analyst MSME Working Capital Sahibzada Ajit Singh Nagar
🏢 FINAGG Technologies Private
📍 Sahibzada Ajit Singh Nagar