Bharat Banking: Credit Analyst – Microfinance

About Rural Lending - Microfinance Wholesale
.The Microfinance Wholesale business focuses on providing debt solutions to regulated Microfinance Institutions (NBFC-MFIs) to support lending to economically lowincome households.
.The portfolio delivers scalable, riskadjusted returns while meeting the Bank's Priority Sector Lending (PSL) objectives through disciplined credit assessment and portfolio monitoring.

About the Role
Credit Analyst - Microfinance Wholesale will be responsible for:
.End to end credit appraisal of wholesale lending proposals to NBFC-MFIs.
.Financial analysis, credit risk assessment, and preparation of credit notes in line with internal policies and regulatory guidelines.
.Ongoing monitoring of the approved portfolio to ensure asset quality and early identification of risks.

Key Responsibilities
.Prepare detailed and structured credit appraisal notes for NBFC- MFI borrowers.
.Analyze audited and unaudited financial statements, including profitability, leverage, asset quality, capital adequacy, and liquidity.
.Assess portfolio quality indicators such as PAR levels, provisioning adequacy, writeoffs, and collection efficiency.
.Evaluate qualitative aspects including governance standards, management quality, operational scalability, and control frameworks.
.Recommend internal credit ratings, loan structure, tenure, pricing, covenants, and risk mitigants.
.Participate in due diligence and field visits to validate operational and portfolio information.
.Monitor borrower performance through periodic reviews, early warning indicators, and covenant compliance.
.Support portfolio actions such as limit revisions, renewals, restructurings, or corrective measures where required.
. Prepare MIS, portfolio dashboards, and presentations for senior management and credit committees.
Qualifications

.CA / MBA
.4-7 years of experience in wholesale banking, credit analysis.
.Prior exposure to lending to NBFCs preferred.
.Strong financial analysis and credit appraisal experience.
Role Proficiencies:
For successful execution of the job, a candidate should possess the following:
Knowledge
.Strong understanding of microfinance business models, wholesale lending products, and credit processes.
.Working knowledge of regulatory guidelines, PSL norms, and internal credit policies.
Skills
.Financial statement analysis and credit note preparation.
.Clear written and verbal communication for credit presentations and stakeholder interactions.
.Analytical and problem solving skills with attention to detail.
Abilities
.Ability to assess and balance risk and business objectives.
.Ability to work collaboratively across functions in a matrix environment.
.Ability to manage multiple credit proposals and deadlines simultaneously.
.Ability to independently drive deliverables with minimal supervision.