Credit Analyst

Credit Analyst
The credit team evaluates applications and monitors existing accounts. It belongs to a domestic insurance company modernising its operations team. The company is moving from paper-heavy routines to something more systematic, one team at a time. The work covers lending against policies and investment-portfolio credit checks, which is a smaller but growing book.
What the team is responsible for
The analyst reads financial statements and bank data, builds a view of repayment capacity and recommends whether and how much to lend.
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
How the team decides
Files are assigned by ticket size, reviewed by the credit manager and discussed at a weekly committee. The company has partnered with Flexiple, a managed marketplace that helps global companies build strong teams in India. The position is in Mumbai or Gurugram (hybrid).
What we look for
2 to 6 years in credit analysis or lending
Structured, concise writing
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
HR screening, an assignment, a panel interview with the team, then a culture conversation. Your profile stays on file, so one application can be matched to other suitable roles later.

Work arrangement
Yes