Credit Analyst- NBFC

About Company

Based in Mumbai, the company is a Non-Deposit Taking Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). It operates in the financial services sector, offering lending and related financial solutions to both individuals and businesses.

Job Description

About the Role

• Role within the Risk team with exposure across credit underwriting, portfolio analytics, and sectoral risk evaluation.
• Hands-on experience in assessing enterprise lending risks.
• Involvement in building risk frameworks.
• Collaboration with business, data, and governance teams.

Key Responsibilities

Credit Risk & Underwriting

• Conduct credit appraisals for mid-market corporates and financial institutions by analysing financial statements, cash flows, business models, and management quality.
• Draft credit notes, rating rationales, and detailed risk assessments.
• Participate in client meetings, due diligence, and industry/peer benchmarking.
• Collaborate with business teams to evaluate deal structures, covenants, and risk mitigants.

Portfolio & Sector Risk

• Track portfolio health using exposure analytics, rating changes, and early warning indicators (EWI).
• Assist in developing sectoral risk frameworks through analysis of macro and micro trends.
• Contribute to stress testing, scenario modelling, and monitoring of limit utilisation.
• Support quarterly portfolio reviews, dashboards, and presentations.

Modelling & Analytics

• Collaborate with Data Science and Technology teams to build credit models, scorecards, and visual dashboards.
• Support validation, back-testing, and continuous improvement of risk models.
• Assist in automating reporting and monitoring of key risk metrics.

Policy & Governance

• Assist in drafting and refining risk policies, SOPs, and internal guidelines.
• Monitor compliance with risk appetite thresholds and escalate deviations.
• Coordinate with audit and compliance teams for reviews and documentation.

Candidate Requirements

• CA with 1-2 years of experience in credit, risk, or financial analysis.
• Strong knowledge of financial statement analysis, ratios, and cash flow modelling.
• Prior exposure to underwriting in an NBFC or bank is preferred.
• Detail-oriented, analytical, and business-focused mindset.
• Strong written and verbal communication skills.

Mandatory Requirement

Primary Job Profile : Credit

Technical Skills : Credit risk assessment, Credit underwriting, Due diligence

Join Community

Join our Credit & Project Finance (West India) to get notified about updates and career opportunities