Job Description

Job Title: Credit Risk Analyst

Role Overview: The Credit Risk Analyst is responsible for analyzing and assessing the creditworthiness of potential MSME/SME borrowers, primarily in the SCF (Supply Chain Finance) domain. They play a crucial role in mitigating credit risk exposure for the NBFC by conducting in-depth financial analysis, risk evaluation, and making sound credit decisions for SME Loan products

Key Responsibilities:

• Analyze financial statements, credit reports, and other relevant documents to assess the creditworthiness of SME borrowers.
• Conduct detailed risk analysis, including cash flow projections, debt service coverage ratios, and sensitivity analysis
• Hands-on experience in Underwriting cases for SME loan products &/or SCF products like invoice discounting, factoring, purchase order financing, and vendor financing.
• Evaluate the quality of collateral, receivables, purchase orders, and securities offered by borrowers.
• Prepare credit appraisal reports and present recommendations to the credit committee or decision-makers.
• Monitor and review the performance of existing loan portfolios, identifying potential risks and proposing mitigating actions.
• Ensure compliance with the NBFC's credit policies, regulatory requirements, and industry best practices related to SME lending, SCF and other loan products
• Collaborate with other departments, such as legal and risk management, to ensure a comprehensive risk assessment process.
• Develop a deep understanding of the unique challenges and risks faced by SMEs in various industries and sectors.
• Assess and analyze credit risks associated with SCF, Trade Finance & Factoring transactions.

Qualifications and Skills:

• Bachelor's degree in finance, accounting, economics, or a related field.
• Minimum 3-4 years of experience in credit analysis, risk assessment, or related roles (for an entry-level position).
• Strong analytical and problem-solving skills with attention to detail.
• Proficiency in financial modeling and analysis tools, along with hands-on experience in using LMS (Loan Management System)
• Knowledge of credit risk management principles, banking regulations, lending practices, and SME lending esp. factoring processes.
• Excellent written and verbal communication skills.
• Experience or interest in building new-age credit underwriting models using alternative data sources and advanced analytics.
• Understanding of the challenges and dynamics of SME businesses, including cash flow management, growth strategies, and industry-specific risks.
• Professional certifications (e.g., CFA, FRM, or relevant banking certifications) are preferred.
• Experience in Global (Export/Import) and Domestic Trade Finance credit risk is a plus.

Job Types: Full-time, Permanent

Pay: ?1,000,000.00 - ?1,200,000.00 per year

Benefits:

• Health insurance
• Provident Fund

Experience:

• total work: 3 years (Preferred)

Work Location: In person