Credit Analyst - CA Fresher

About Us

Reimagining how India builds one click at a time.

Building the next big disruption in e-commerce: brick by digital brick

We are a new-age B2B e-commerce platform transforming how India buys and sells construction materials. Our digital ecosystem connects contractors, retailers, and suppliers, offering speed, transparency, choice, and reliability. Contractors and retailers gain access to a wide range of quality materials, credit options, and tracked deliveries, while suppliers expand their network and sales pan-India. Operating in 375+ cities across 25 states, currently valued at ___, we are one of India's fastest-growing construction B2B platforms and have also launched private-label tiles, plywood, and sanitaryware for buyers.

We're on a mission to organize and digitalize India's 7 lakh crore construction procurement market, where only about 1% of transactions are digital today. The goal is to build a more connected, efficient, and technology-driven future for the entire industry.

Backed by the Aditya Birla Group, a global Fortune 500 conglomerate with a strong presence in manufacturing construction and finishing materials, and 140,000+ employees across 36 countries, we bring the best of both worlds: the agility of a startup and the stability of a legacy leader.

Our Vision To become the most trusted B2B ecommerce platform in the country powered by digital efficiency, competitive prices and vast assortments.

Job Purpose

Conduct comprehensive credit analyses and assessments to evaluate borrower creditworthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts.

Key Accountabilities & Support Actions

Credit Assessment :-

• Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history
• Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms.

Financial Analysis :-

• Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers.
• Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter.

Documentation and Due Diligence :-

• Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents.
• Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately.

Portfolio Monitoring

• Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate.
• Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms.

Qualifications & Skills

• Bachelor's degree in finance, Accounting, Economics and CA fresher preferred.
• Strong analytical skills, with the ability to interpret financial data, conduct financial analyses, and assess credit risk accurately.
• Exceptional attention to detail, with a focus on accuracy and precision in credit analysis and documentation.
• Excellent verbal and written communication skills, with the ability to convey complex information clearly and concisely