: Credit Process Analyst (CPA)

Credit Process Analyst (CPA)

Role Objective: Enable quality loan growth by conducting robust credit assessments, minimizing credit risks, ensuring policy compliance, and supporting faster loan disbursement for Walkfin's MSME lending portfolio.

Position Summary The Credit Process Analyst is responsible for evaluating loan applications, analyzing borrower creditworthiness, verifying financial and business information, and recommending credit decisions in line with company risk policies. The role plays a critical part in maintaining portfolio quality while supporting business growth.

Key Responsibilities

1. Credit Assessment & Underwriting

- Analyze unsecured loan applications from MSMEs, traders, professionals, and business owners.
- Review financial statements, bank statements, GST returns, ITRs, bureau reports, and other supporting documents.
- Assess repayment capacity, cash flow, leverage, and business stability.

2. Document Verification

- Verify KYC, business proof, income proof, banking details, and compliance documents.
- Ensure loan files are complete and comply with internal credit requirements.
- Identify discrepancies, fraud indicators, and documentation gaps.

3. Credit Recommendation

- Prepare credit appraisal notes and risk summaries.
- Recommend approval, decline, or deviation requests based on findings.
- Present cases to credit managers or approval authorities when required.

4. Portfolio Risk Management

- Monitor loan performance and early warning signals.
- Track delinquency trends and identify high-risk customer segments.
- Support portfolio reviews and risk mitigation initiatives.

5. Process & Compliance

- Ensure adherence to RBI guidelines, company policies, and audit requirements.
- Maintain accurate records in LOS/LMS systems.
- Participate in internal audits and compliance reviews.

6. Stakeholder Coordination

- Coordinate with Sales, Credit, Operations, Collections, and Risk teams.




- Support quick turnaround time (TAT) for loan processing.
- Address queries related to credit decisions and customer eligibility.

Key Skills Required

Technical Skills

- Credit underwriting
- Financial statement analysis
- Bank statement analysis
- Bureau report interpretation (CIBIL, Experian, Equifax, CRIF)
- Risk assessment
- Excel and MIS reporting
- Knowledge of unsecured business loan products

Behavioral Skills

- Analytical thinking
- Attention to detail
- Decision-making ability
- Communication skills
- Integrity and risk awareness
- Time management

Eligibility

Educational Qualification

- MBA (Finance), B. Com, M. Com, or equivalent qualification.
- Certification in Credit Analysis/Risk Management is an added advantage.

Experience

- 2 to 4 years in:
- Unsecured Business Loans
- MSME Lending
- Working Capital Finance
- Fintech/NBFC Credit Operations

Key Performance Indicators (KPIs)

- Credit approval TAT
- Portfolio delinquency levels
- Approval-to-disbursement ratio
- File quality and audit compliance
- Credit loss ratio
- Productivity (cases handled per month)

Perks and benefits:

· Market-competitive salary + performance incentives

· Health Insurance

· High-growth, fast-paced work environment

· Career progression opportunities

· Exposure to leadership and Founders.

· Fast-paced, high-growth work environment

· Referral bonuses

· Team outings and company events

· Employee Rewards and recognition programs

· Anniversary and birthday celebrations

Company Overview:

Name: Walkfin Financing Services Private Limited

Industry: NBFC/Financial Services/Fintech/Payment

Products: Supply Chain Finance, Term Loan and Loan against property

Headquarter: Pune

Address: Office No.1, Ground Floor, NSG Crown, SR, No 52/1/13 Narhe, road, Wadgaon Budruk, Narhe, Pune, Maharashtra, India-411041

Website: https://walkfin.com

LinkdIn URL: https://www.linkedin.com/company/walkfin-financing-services-pvt-ltd/about/

Office Hours: Mon – Sat: 9:30 am – 6:30 pm, Sunday: CLOSED

📌 Credit process Analyst (Pune)
🏢 Walkfin
📍 Pune