Credit Analyst

Role profile:

Credit Assessment & Underwriting Conduct detailed financial analysis of anchor corporates, buyers, and suppliers. Assess working capital cycles, cash flows, banking behavior, and industry risk. Evaluate transaction structures under SCF programs (Dealer Finance, Vendor Finance, Invoice Discounting, etc.). Prepare credit appraisal notes and recommend limits. Ensure compliance with internal credit policies and regulatory norms.Risk Evaluation & Structuring Analyze concentration risks (anchor, geography, sector). Structure credit limits, tenors, margins, and covenants. Evaluate security/collateral arrangements where applicable.Portfolio Monitoring Monitor portfolio health, overdue positions, and early warning signals. Conduct periodic credit reviews and limit renewals. Track industry developments impacting exposure.Coordination & Stakeholder Management Work closely with Sales, Operations, Legal, and Collections teams. Support structuring discussions for new SCF programs. Assist in credit committee presentations.Compliance & Documentation Ensure adherence to RBI guidelines. Maintain proper credit documentation and audit readiness.

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