Credit Analyst

Credit Analyst
A non-banking lender expanding its collections and credit teams, hiring for its credit team
Location: Remote (India)
The company
A non-banking lender expanding its collections and credit teams, hiring for its credit team. The loan book is growing quickly, and the teams around it are being built to keep pace. It has partnered with Flexiple to hire a credit analyst. Flexiple is a managed talent marketplace that places vetted professionals with companies in India and abroad.
What the role is for
The analyst reads financial statements and bank data, builds a view of repayment capacity and recommends whether and how much to lend. Most files are small-business and retail loans, where bank statements matter more than audited accounts.
What you would do each week
Analyse financial statements, bank statements and tax filings of applicants
Build cash-flow and ratio models to estimate repayment capacity
Write credit memos with a clear recommendation and stated risks
Verify information through site visits and calls where needed
Monitor existing accounts for early signs of stress
Track covenants and renewal dates
Coordinate with sales or relationship teams on missing information
What we want in a candidate
2 to 6 years in credit analysis or lending
Graduate degree in commerce, finance or economics; CA, CFA or MBA preferred
Experience in credit assessment, lending or financial analysis
Strong financial-statement and cash-flow analysis skills
Advanced Excel skills
Structured, concise writing
Helpful extras
Experience with a loan-origination system
Knowledge of MSME or retail lending
Familiarity with credit-bureau reports
What the seat includes
A Credit Analyst seat at a non-banking lender, reporting to the credit manager
On-site in Mumbai or Chennai, with a placement intended to be long term
Direct exposure to live credit decisions and committee discussions
Stages of the process
Screening call, assignment, team panel, final fit conversation.
Applying once keeps you in the running for other matched openings too.

Work arrangement
Yes