Senior Credit Analyst

Company Description FINAGG Technologies Private Limited is a fast-growing fintech organization focused on financing India’s largest distributor and retailer network. The company is founded and led by seasoned finance professionals with a track record of building and successfully exiting VC-funded ventures to global companies. FINAGG’s platform is trusted by more than 20 of India’s largest corporate houses and is rapidly disrupting the lending market. With a strong emphasis on SMEs/MSMEs and retailers, FINAGG supports the backbone of India’s creation and consumption ecosystem, aligning closely with the vision of Atmanirbhar Bharat.
Role Description This is a full-time, on-site Senior Credit Analyst role based in Noida. The Senior Credit Analyst will evaluate creditworthiness of distributors, retailers, and SMEs/MSMEs, perform detailed financial and cash-flow analysis, and recommend appropriate credit limits and terms. The role involves reviewing applications, assessing risk, monitoring existing portfolios, and ensuring adherence to internal credit policies and regulatory guidelines. The Senior Credit Analyst will collaborate with sales, operations, and risk teams to structure deals, mitigate risk, and support business growth, while preparing clear credit notes, reports, and presentations for management decision-making.
Qualifications
Strong credit management and credit assessment skills, including experience in evaluating SME/MSME and retail portfolios.
Advanced analytical skills, with the ability to interpret financial statements, transactional data, and risk indicators.
Finance knowledge, including understanding of lending products, working capital finance, and risk frameworks.
Effective communication skills, with the ability to present complex credit analyses clearly to internal stakeholders.
Relevant experience in banking, NBFC, or fintech credit roles; prior exposure to unsecured or cash-flow-based lending is an advantage.
Bachelor’s or Master’s degree in Finance, Economics, Business, or a related field; professional certifications (e.g., CFA, FRM, CA) are a plus.
Proficiency in spreadsheets and data tools; familiarity with credit scoring models and analytics will be beneficial.
Ability to work with cross-functional teams, maintain high ethical standards, and make timely, sound credit decisions.

Work arrangement
No