- Underwrite Secured Business Loan and Prime LAP proposals for self-employed customers within delegated authority

- Assess repayment capacity through financial statement analysis, banking analysis, GST returns and ITRs

- Conduct personal discussions (PDs) with customers and site visits to business premises and property

- Evaluate collateral using legal and technical (valuation) reports; ensure LTV, FOIR and policy compliance

- Prepare credit appraisal memos (CAMs) with clear risk mitigates and recommendations

- Coordinate with sales, operations, legal and technical vendors for timely, accurate decisions

- Maintain turnaround time (TAT) targets while keeping portfolio quality high

- Monitor early delinquencies and share feedback on sourcing quality





- Ensure adherence to internal credit policy and RBI guidelines

Preferred candidate profile

- B.com/M.Com / MBA (Finance) / PGDM preferred

- 4-8 years of credit experience in Secured Business Loans, LAP or home loans at an NBFC, HFC or bank

- Strong understanding of financials, cash flow assessment and property documentation

- Positive knowledge of Hyderabad and Telangana property markets

- Sound judgment, strong communication and willingness to travel for PDs and site visits

- Fluency in English and Telugu .Fluency in Hindi is an added advantage

📌 Credit Analyst (Hyderabad)
🏢 Jacinth Finvest
📍 Hyderabad