Credit Analyst

Job Description
– Venus FinTech

Job Description
– Corporate Credit Analyst Position: Corporate Credit Analyst Department: Risk Management / Corporate Credit Risk

Location:
Hyderabad Employment Type: Full-Time

Experience:
3–7 Years

Salary:
25,000
- 50,000/
- per month

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 environment, 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.
- Robust 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 can share their updated CV with the HR team.

📌 Finance Credit Analyst (Hyderabad)
🏢 blueberry infratech
📍 Hyderabad