Role Overview The Credit Analyst will be responsible for end-to-end credit assessment of dairy and cattle loan applications. The role includes borrower and co-borrower assessment, bureau analysis, dairy cash-flow evaluation, review of field/PD findings, verification of cattle and vendor details, and timely credit decisioning in accordance with approved lender and internal credit policies.

Key Responsibilities

· Underwrite dairy/cattle loan applications and recommend approval, rejection, or escalation as per defined credit policy and authority matrix.

· Analyse borrower and co-borrower bureau reports, including repayment history, active loans, overdue accounts, enquiries and overall indebtedness.

· Assess dairy income based on number and type of cattle, breed, milk yield, milk selling price, dairy/co-operative receipts and operating expenses.

· Assess household income, agricultural income and other supplementary income to determine overall repayment capacity.

· Calculate FOIR, household cash surplus and proposed EMI affordability.

· Review KYC, bank statements, milk-payment records, income proofs, and other documents submitted with the loan application.

· Review Personal Discussion (PD), field verification, and residence/business verification findings and identify inconsistencies or adverse observations.

· Conduct telephonic or video customer verification/PD wherever required.

· Validate proposed cattle purchase, cattle valuation, supplier/vendor details, insurance, and RFID/tagging information wherever applicable.

· Identify potential fraud and credit risks including multiple borrowing, over-financing, inflated cattle valuation, weak cash flows, adverse bureau behaviour, document mismatch and customer/vendor collusion.

· Raise clear credit queries and coordinate with Sales/Operations teams for required clarifications or additional documents.

· Ensure compliance with lender-specific credit policies, deviation rules, approval conditions, and documentation requirements.





· Maintain defined credit TAT and daily productivity while ensuring underwriting quality.

· Maintain accurate credit notes, assessment rationale, and approval/rejection remarks in the system.

· Review early delinquency, FPD/SPD and bounce cases assigned for credit feedback and identify underwriting gaps.

· Support credit audits, lender reviews and policy back-testing by providing case-level information and observations.

Candidate Profile

· Graduate/Postgraduate in Finance, Commerce, Agriculture, Rural Management or a related discipline.

· 1–4 years of experience in credit underwriting, preferably in Dairy Loans, Cattle Loans, Agri Loans, Rural Finance, Microfinance, MSME, or retail lending.

· Candidates with hands-on experience in rural borrower assessment and informal income evaluation will be preferred.

Required Skills:

· Strong understanding of credit underwriting and borrower risk assessment.

· Positive knowledge of CIBIL / Experian / CRIF / Equifax bureau reports.

· Ability to assess rural and informal household cash flows.

· Understanding of FOIR, EMI affordability, banking analysis, and existing obligations.

· Understanding of dairy economics, milk-income assessment and cattle valuation will be an advantage.

· Strong analytical skills with ability to identify fraud indicators and data/document inconsistencies.

· Good working knowledge of Excel and credit MIS.

· Ability to handle high case volumes and work within strict TAT.

· Good communication and customer-interaction skills.

· Working knowledge of Hindi; Gujarati/Rajasthani or other relevant regional languages will be an advantage.

Key Performance Indicators (KPIs)

· Credit TAT

· Number of cases processed / productivity

· Quality and accuracy of underwriting decisions

· FPD / SPD and early delinquency performance of approved cases

· Bounce and portfolio-quality trends

· Policy and documentation compliance

· Credit-query quality and resolution time

· Audit and quality-control observations

📌 Credit Analyst (Ahmedabad)
🏢 Credin
📍 Ahmedabad