Position Overview

Group Surya is looking for a detail-oriented and analytical Credit Analyst to assess the creditworthiness of customers, evaluate financial information, identify potential credit risks, and support informed lending and credit decisions. The ideal candidate should have strong financial analysis skills, attention to detail, and an understanding of credit assessment and risk management practices.

Roles & Responsibilities

- Credit Assessment: Evaluate the creditworthiness of customers and borrowers based on financial information, repayment history, and credit reports.
- Financial Analysis: Analyze financial statements, income details, bank statements, and other relevant financial documents.
- Risk Evaluation: Identify potential credit risks and recommend appropriate measures to minimize financial exposure.
- Credit Report Analysis: Review credit bureau reports, credit scores, repayment history, and existing loan obligations.
- Loan Evaluation: Assess loan applications and supporting documents to determine repayment capacity and eligibility.
- Credit Recommendations: Prepare credit assessment reports and recommend approval, rejection, or modification of credit proposals.
- Compliance & Documentation: Ensure proper documentation and adherence to internal credit policies, applicable regulations, and risk management guidelines.
- Portfolio Monitoring: Monitor existing credit accounts, overdue payments, repayment trends, and early warning indicators of default.
- Coordination: Coordinate with sales, operations, collections, and other relevant departments to obtain information and resolve credit-related queries.
- MIS & Reporting: Prepare credit risk reports, portfolio performance reports, and periodic updates for management review.

Key Goals





- Ensure accurate and timely credit assessments to support sound lending decisions.
- Minimize credit risk by identifying potential defaults and repayment issues at an early stage.
- Maintain compliance with credit policies, documentation standards, and applicable regulatory requirements.

4. Required Qualifications

- Bachelor’s degree in Finance, Commerce, Accounting, Economics, or a related field.
- MBA in Finance, CA, CMA, or relevant financial certification will be an added advantage.
- Relevant experience in credit analysis, credit underwriting, loan assessment, or risk management is preferred.
- Experience in NBFC, banking, lending, or financial services will be an advantage.

Required Skills & Expertise

- Strong financial and credit analysis skills.
- Knowledge of credit risk assessment and loan underwriting.
- Understanding of financial statements, balance sheets, cash flow statements, and bank statements.
- Familiarity with credit bureau reports and credit scoring systems.
- Proficiency in MS Excel and financial reporting.
- Robust analytical, numerical, and problem-solving abilities.
- Excellent attention to detail and documentation skills.
- Effective communication and coordination skills.
- Ability to make data-driven recommendations and work within deadlines.

Key Performance Indicators (KPIs)

- Accuracy and turnaround time of credit assessments.
- Quality of credit recommendations and risk evaluations.
- Compliance with credit policies and documentation requirements.
- Early identification of high-risk accounts.
- Quality of portfolio monitoring and credit risk reporting.

Pay: ₹30,000.00 - ₹40,000.00 per month

Benefits:

- Health insurance
- Leave encashment
- Paid sick time
- Paid time off
- Provident Fund

Work Location: In person

📌 Credit Analyst (Bhubaneswar)
🏢 SURYA INTERNATIONAL
📍 Bhubaneswar