Corporate Credit Analyst

Department: Risk Management / Corporate Credit Risk

Location: Hyderabad

Employment Type: Full-Time

Experience: 3–7 Years

About the Company

Venus FinTech is a growing FinTech company providing technology-driven financial solutions to businesses and corporates. The company offers a range of corporate lending and financial products designed to support business growth, working capital requirements, expansion, and other financial needs.

Job Responsibilities

Corporate Financial Analysis:

Analyse corporate balance sheets, profit & loss statements, cash flow statements, financial ratios, annual reports, and projected financial statements to assess the financial strength and repayment capacity of borrowers.

Corporate Credit Assessment:

Evaluate credit proposals for various corporate lending products, including working capital facilities, term loans, business loans, project finance, secured lending, and other corporate credit facilities.

Credit Risk Evaluation:

Assess the borrower's credit history, financial performance, debt obligations, repayment capacity, business model, management quality, industry outlook, and overall creditworthiness.

Working Capital Assessment:

Analyse working capital requirements, operating cycles, inventory, receivables, payables, banking transactions, and fund utilisation to determine appropriate credit limits.

Cash Flow & Debt Servicing Analysis:

Evaluate projected cash flows, DSCR, interest coverage, leverage, repayment schedules, and other financial indicators to determine the borrower's ability to service debt.

Collateral & Security Evaluation:

Review the quality and adequacy of collateral, securities, guarantees, and other risk-mitigation measures associated with the proposed credit facility.

Credit Appraisal & Recommendations:





Prepare detailed credit appraisal notes, credit assessment reports, and summary memos with clear recommendations for approval committees and senior management.

Financial Modelling:

Prepare and review financial models, projections, sensitivity analysis, and stress scenarios to assess the potential impact of changes in revenue, margins, interest rates, working capital, and other business conditions.

Industry & Business Analysis:

Evaluate the borrower's industry, market position, competitive workplace, business risks, customer concentration, supplier dependency, and other external factors that may affect repayment capacity.

Portfolio Monitoring:

Monitor existing corporate loan accounts, repayment behaviour, financial performance, covenant compliance, credit exposure, asset quality, and early warning signals.

Risk Identification & Mitigation:

Identify potential credit risks and recommend appropriate risk-mitigation measures, including suitable security, covenants, guarantees, limits, repayment structures, and monitoring requirements.

Regulatory & Policy Compliance:

Ensure credit assessments and lending decisions are aligned with the company's internal credit policies, risk framework, lending guidelines, and applicable statutory and regulatory requirements.

Coordination:

Coordinate with Sales, Relationship Managers, Operations, Legal, Compliance, Collections,



and other relevant teams to ensure efficient processing and monitoring of corporate credit facilities.

Skills Required

- Strong knowledge of corporate credit analysis and lending processes.

- Strong financial statement analysis and interpretation skills.

- Good understanding of corporate loans, working capital facilities, term loans, and other business lending products.

- Ability to analyse cash flows and assess debt-servicing capacity.

- Strong knowledge of financial ratios, including DSCR, Debt/Equity, Interest Coverage Ratio, Current Ratio, and other credit metrics.

- Good understanding of collateral, securities, guarantees, and credit risk mitigation.

- Strong MS Excel and financial modelling skills.

- Excellent analytical and problem-solving skills.

- Strong attention to detail and ability to identify financial and business risks.

- Good communication and report-writing skills.

- Ability to work independently and meet deadlines.

- Strong decision-making and risk-assessment skills.

Key Performance Areas (KPIs)

- Accuracy and quality of corporate credit assessments.

- Timely completion of credit appraisal and recommendations.

- Quality of financial analysis and risk identification.

- Accuracy of financial models and credit reports.

- Effective identification and mitigation of credit risks.

- Portfolio quality and monitoring of existing corporate accounts.

- Compliance with internal credit policies and regulatory requirements.

- Timely identification of early warning signals.

- Accuracy and completeness of credit documentation.

- Turnaround time for credit assessment and decision-making.

Interested Candidates

Interested candidates can share their updated CV with the HR team.

Pay: ₹300,000.00 - ₹600,000.00 per year

Work Location: In person

📌 Credit Analyst (Hyderabad)
🏢 blueberry infratech
📍 Hyderabad