Conduct comprehensive credit analyses and assessments to evaluate borrower creditworthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts.

Key Responsibilities
Credit Assessment:
• Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history.
• Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms. Financial Analysis
• Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers.
• Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter. Documentation And Due Diligence
• Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents.
• Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately. Communication And Reporting
• Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders.




• Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval. Portfolio Monitoring
• Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate.
• Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms. Qualification & Skills
• Bachelor’s degree in finance, Accounting, Economics, or related field required, master’s degree preferred.
• Minimum of 3 years of experience in credit analysis, banking, or financial services industry.
• Solid analytical skills, with the ability to interpret financial data, conduct financial analyses, and assess credit risk accurately.
• Exceptional attention to detail, with a focus on accuracy and precision in credit analysis and documentation.
• Excellent verbal and written communication skills, with the ability to convey complex information clearly and concisely.
• Ability to work effectively in a team environment, collaborating with colleagues and stakeholders to achieve common goals.

📌 Credit Analyst (India)
🏢 Birla Pivot
📍 India