Credit Analyst In Mumbai iKonsult Recruitment Solutions

About IKonsult Recruitment Solutions

Job Description

Dear Candidate We have an URGENT position for Credit Analyst in Mumbai. Please find the details as below. Job Description Designation: Sr. Credit Analyst Location: Mumbai Qualification preferences: CA/MBA(Finance) Work Experience: Minimum 3 to 7 years of experience in Credit underwriting for Supply Chain Finance/Working Capital Notice Period: Immediate to 60days Max. Loan products (Corporates & MSMEs). Preference will be given to candidates who have previous experience of working with a Fintech/NBFC. Key Skills: CA limit 1cr+, experience in financial due diligence is required Key Responsibilities: Conduct thorough assessment, review, and recommendation of credit proposals to the approving authority following detailed due diligence. Take complete ownership of credit underwriting and credit administration tasks. Perform detailed credit assessments of prospective anchors for Supply Chain Finance programs. This includes analysis of the company's business model, product offerings, management, dealer/vendor ecosystem, past credit ratings, market, and reference checks. Carry out financial analysis, including Balance Sheet, Profit & Loss Statement, Cash Flow Statements, Ratio Analysis, CMA preparation with projections, and sensitivity analysis, and recommend findings to the approving authority. Analyse various data related to the company for the credit assessment note, including credit rating reports, annual reports, investor presentations, stock market performance data, and legal checks. Conduct detailed scrutiny of credit reports of entities (proprietorships, partnerships, private limited companies) and individuals, and provide detailed observations and recommendations. Analyse detailed Credit Approval Memos (CAMs) for counterparties (dealers, vendors), including assessments of financials, bank statements, GST returns, credit bureaus, stock statements, and other compliance checks. Independently make credit decisions and recommend cases with eligible limits as per the defined credit policy. Handle large unsecured and secured exposures to counterparties comfortably. Coordinate with various vendors (financial institutions, banks) and resolve related issues. Partner with business and credit administration teams to ensure smooth underwriting and onboarding processes. Manage portfolio and conduct credit monitoring. Suggest improvements in policies and processes. Handle any other ad hoc tasks assigned by the reporting manager or management. If interested, share your resume to shaista@iKonsult.com with the required details below: Total Exp: Relevant Exp (Credit Analyst in NBFC/Fintech Co.) C CTC E CTC Notice Period Location: Willing to relocate to Mumbai Reason for Change ,