Job Description: 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.
- Suppo

📌 Credit process Analyst (Pune City)
🏢 Walkfin
📍 Pune City