? We're Hiring | Team Lead – Commercial Lending & Credit Analysis

? Location: Bellandur, Bangalore

? Experience: 4+ Years

? Team Handling Experience: Mandatory

? Qualification: Full-time Graduate (B.Com/M.Com, BBA/MBA)

? Shift: Flexible to work in any shift (24×5)

? Key Skills

- Commercial Lending
- Credit Analysis & Credit Operations
- Financial Spreading
- Financial Statement Analysis
- 10-K & 10-Q Analysis
- CPA-Audited Financial Statements
- Balance Sheet, Income Statement & Cash Flow Analysis
- Financial Ratio Analysis
- Root Cause Analysis (RCA)
- Team Handling & Process Improvement

? Key Responsibilities

• Review and analyze borrower financial information, including 10-K, 10-Q, CPA-audited and annual/interim financial statements .

• Spread Balance Sheet, Income Statement and Cash Flow Statement data into designated tools/templates.

• Perform period-over-period and year-over-year financial analysis .

• Calculate and interpret key ratios covering liquidity, leverage,



profitability, working capital and debt-service coverage .

- Identify significant financial trends, discrepancies and potential credit concerns.
- Perform reconciliation and reasonableness checks.
- Understand client requirements and resolve queries effectively.

• Perform Root Cause Analysis and drive process improvements.

- Handle and support team operations and performance.

? Required Experience

✔ 4+ years of overall experience

✔ 1+ year of experience in Commercial Lending / Credit Analysis / Financial Spreading / Credit Operations

✔ Hands-on experience with 10-K, 10-Q and CPA-audited financial statements

✔ Solid understanding of accounting concepts and financial ratios

✔ Strong analytical and problem-solving skills

✔ Team Handling experience is mandatory

📌 Team Lead–Commercial Lending & Credit Analysis (Only Immediate Joiner) (Bengaluru)
🏢 Innova ESI
📍 Bengaluru