About the Role

We are seeking a proactive, analytical, and field-oriented Financial Risk Analyst to join Veeraraghavan & Co. In this role, you will act as the crucial link between financial assessment frameworks and on-the-ground reality. You will be responsible for visiting client and loan applicant business premises to conduct comprehensive financial health checks, risk evaluations, and verification. Please note that this is strictly a risk analysis and verification role—there is no sales, target-chasing, or marketing involved.

Key Responsibilities
On-Site Client & Business Verification: Travel to business premises, operational units, and residential locations of loan or credit applicants to conduct firsthand financial checks and risk profiling.
Personal Discussions & Fact-Finding: Conduct structured personal discussions with business owners, promoters, and borrowers to evaluate business stability, cash flow realities, and intent to repay.
Asset & Collateral Assessment: Physically inspect business inventory, machinery, infrastructure, and asset quality to validate reported net worth and balance sheet details.
Creditworthiness & Repayment Analysis: Analyze financial statements, business records,



and day-to-day operations in office to assess risk parameters, debt-servicing capabilities, and potential fraud red flags.
Detailed Reporting for Lenders: Compile meticulous, factual, and standardized risk reports containing all required touchpoints and metrics needed by banks and financial institutions to make informed lending decisions.
Compliance & Risk Mitigation: Ensure all observations strictly adhere to internal risk matrices, regulatory frameworks, and audit guidelines.

Key Requirements & Qualifications
Education: Bachelor’s degree in Commerce, Accounting, Banking, Finance, or Management (B.Com, BMS, BBA, BFM).
Field Readiness: High willingness to travel locally within assigned regions to meet business owners and assess operations in office.
Skills:
Sound foundational knowledge of basic accounting, bookkeeping, and financial statements.
Solid observational skills with absolute integrity and attention to detail.
Explicit interpersonal and communication skills to conduct effective personal discussions.
Basic computer/tablet literacy for updating reports on digital platforms.

Pay: ₹20,000.00 - ₹22,000.00 per month

Work Location: In person

📌 Financial Analyst Bengaluru (India)
🏢 sample compay
📍 India