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A Leading fastest-growing Supply Chain company
is Hiring for Credit Analyst (4 LPA)
Job Role: Credit Analyst
Job Location: Sadashiva Nagar, Bangalore
Industry: Supply Chain
Salary: 4 LPA
Job Type: Full Time
Qualification: Any Graduate (B.com, BBA, M.com, MBA)
Gender Requirement: Any
Bond Obligation: NO
Year of Passing: Any
Roles and Responsibilities:
• Designing and formulating credit underwriting for supply chain finance and strategize & partner in technology implementation to enable digital journey in supply chain financing process.
• Responsible for conducting detailed research on the financial history of businesses and their related parties/ individuals to determine their creditworthiness.
• Reviewing and verifying financial statements (like Balance Sheet, P&L, Cashflow), GSTR 3B filings, Bank Statements, credit rating report, KYC and other financial documents to develop a customer’s/ prospect’s profile and arrive at a credit recommendation.
• Building scorecard-based credit risk decision models and strategies driven by cashflow based approach in fintech domain.
• Ensure policy compliance and underwriting standards thereby maintaining standard portfolio quality through monitoring account conduct, credit limit, contribution margins, credit rating movement.
• Working closely with technology and business team leaders to build out new credit acquisition and risk management capabilities and refine the existing ones.
• Co-ordinating with external financial partners banks/ NBFCs to explore best suited facility structure basis pro and cons.
• End to end review of credit operations process and keeping a close track of exceptions/ deferrals at sanction and transaction levels.
• Undertake secondary research to be abreast with economy & industry trends, regulatory requirements and key management personnel background check
• Opportunity to have direct interface with corporate customers and come up the learning curve via engagement with modules: Banking instruments like BG, LC, LCBD, Invoice Discounting, Supply chain finance, financial reporting, AR management etc.
• Designing and formulating credit underwriting for supply chain finance and strategize & partner in technology implementation to enable digital journey in supply chain financing process.
• Responsible for conducting detailed research on the financial history of businesses and their related parties/ individuals to determine their creditworthiness.
• Reviewing and verifying financial statements (like Balance Sheet, P&L, Cashflow), GSTR 3B filings, Bank Statements, credit rating report, KYC and other financial documents to develop a customer’s/ prospect’s profile and arrive at a credit recommendation.
• Building scorecard-based credit risk decision models and strategies driven by cashflow based approach in fintech domain.
• Ensure policy compliance and underwriting standards thereby maintaining standard portfolio quality through monitoring account conduct, credit limit, contribution margins, credit rating movement.
• Working closely with technology and business team leaders to build out new credit acquisition and risk management capabilities and refine the existing ones.
• Co-ordinating with external financial partners banks/ NBFCs to explore best suited facility structure basis pro and cons.
• End to end review of credit operations process and keeping a close track of exceptions/ deferrals at sanction and transaction levels.
• Undertake secondary research to be abreast with economy & industry trends, regulatory requirements and key management personnel background check
• Opportunity to have direct interface with corporate customers and come up the learning curve via engagement with modules: Banking instruments like BG, LC, LCBD, Invoice Discounting, Supply chain finance, financial reporting, AR management etc.
Required Skills:
- Financial Analysis
- Excellent Communication Skills
- Analytical Skills
Interview Details:
2 rounds of F2F interview
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