Role: Financial Spreading Team Lead

Location: Bangalore

Experience: 4+ years

Immediate Joiners Only

Job Description:

Team Lead
This role requires ability to perform Qualitative and Quantitative Research and positive Analytical skills to interpret and make sense of data/ information in hand
Understand client query and their requirements
Perform Root Cause Analysis and drive Process Improvements

KEY RESPONSIBILITIES / DUTIES:
Review and analyze borrower financial information, including 10-K and 10-Q filings, CPA-audited financial statements, annual/interim financial statements, and supporting schedules.
Spread Balance Sheet, Income Statement, and Cash Flow Statement data into designated spreading tools/templates.
Perform period-over-period and year-over-year analysis to identify material changes in financial performance.
Calculate and interpret key financial ratios covering liquidity, leverage, profitability, working capital, and debt-service/coverage.
Identify and explain ratio-impacting events, including changes in debt,



revenue, margins, liquidity, working capital, non-recurring items, acquisitions/disposals, and other material financial movements.
Perform reconciliation and reasonableness checks and identify discrepancies or exceptions.
Highlight significant financial trends and potential credit concerns for further review.
Team Handling experience is mandatory

To qualify for the role, you must have:
1+ years of experience in Commercial Lending, Credit Analysis, Financial Spreading, or Credit Operations.
Hands-on experience reviewing 10-K, 10-Q, and CPA-audited financial statements.
Robust understanding of accounting concepts and financial statement analysis.
Ability to calculate financial ratios and clearly understand the impact of financial events on those ratios.
Solid analytical skills and attention to detail.
Team Handling experience is mandatory

📌 Financial Spreading Team Lead Bengaluru
🏢 Innova ESI
📍 Bengaluru