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 setting, 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

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