Credit Analyst

About Sathyam Credit Solutions

Sathyam Credit Solutions is a Chennai-based private credit firm providing short-term unsecured business loans from 50 Lakhs to 5 Crores to small and medium enterprises. We are sector agnostic and lend across industries. We work with promoters who need fast, flexible capital that traditional banks are slow to provide, and we underwrite every file ourselves — so our credit team sits at the centre of the business. We ground every decision in a rigorous look at the borrower's cash flows, working capital cycle and operational health.

The Role

You will appraise loan applications end to end — analysing bank statements, GST returns and financials to assess repayment capacity, flag risks and prepare credit notes for approval. You'll also monitor existing exposures for early risk signals and maintain accurate documentation for audit and compliance.

Qualifications

• 3–5 years in credit analysis or underwriting at an NBFC, bank or lending firm, with hands-on exposure to SME borrowers
• Strong bank statement analysis — reading cash-flow patterns, working capital cycles and red flags that don't show up in the numbers at first glance
• Strong Excel skills
• Fluency with AI tools, especially Claude