398 Credit Analyst jobs in India

Credit Analyst / Senior Credit Analyst

Credit unit facilitates lending to existing & new clients by assessing creditworthiness, monitoring clients' performance on a regular basis, and making suitable recommendations to the credit committees.

The team is expected to do a deep dive financial analysis of customers, regularly meet / interact with the stakeholders of borrowers, keep regular track of key performance milestones, be cognizant of & follow internal policies & processes, and present findings / recommendations to internal committees in timely & concise manner.

Job Description :

- Independently prepare comprehensive credit assessment (covering macro-overview, industry/sector, competitor, business, financial and credit analysis) of clients on continuous basis through desk review and on-field diligence and monitoring; keep a close watch on allocated portfolio clients. It also includes preparation of detailed proposal notes for internal circulation.

- Able to hold conversations and engage with clients' senior management and present the clients' credit profile to internal team and Credit Committee to support their decision making.

- Follow-up with the sales team, account relationship team and other concerned teams for new sourcing and renewal/review. Identifying early warning signs of credit deterioration, joint monitoring of portfolio with account relationship team based on early warning systems.

- Capable of forming a view and suggesting course of action with regards to exposures clients.

Must Have

- CA / MBA with minimum 4 plus years of relevant credit assessment experience for mid/large corporates.

- Structured credit/lending or portfolio/credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies.

- Experience in handling due diligence or transaction advisory.

- Be comfortable with numbers, analyzing financial statements, managing, and interpreting data and solving problems - to aid in credit underwriting.

- Excellent report writing and communication skills.

- Possess a good eye for detail and have demonstrated ability to work under tight timelines.

Credit Analyst / Senior Credit Analyst

Credit unit facilitates lending to existing & new clients by assessing creditworthiness, monitoring clients' performance on a regular basis, and making suitable recommendations to the credit committees.

The team is expected to do a deep dive financial analysis of customers, regularly meet / interact with the stakeholders of borrowers, keep regular track of key performance milestones, be cognizant of & follow internal policies & processes, and present findings / recommendations to internal committees in timely & concise manner.

Job Description :

- Independently prepare comprehensive credit assessment (covering macro-overview, industry/sector, competitor, business, financial and credit analysis) of clients on continuous basis through desk review and on-field diligence and monitoring; keep a close watch on allocated portfolio clients. It also includes preparation of detailed proposal notes for internal circulation.

- Able to hold conversations and engage with clients' senior management and present the clients' credit profile to internal team and Credit Committee to support their decision making.

- Follow-up with the sales team, account relationship team and other concerned teams for new sourcing and renewal/review. Identifying early warning signs of credit deterioration, joint monitoring of portfolio with account relationship team based on early warning systems.

- Capable of forming a view and suggesting course of action with regards to exposures clients.

Must Have

- CA / MBA with minimum 4 plus years of relevant credit assessment experience for mid/large corporates.

- Structured credit/lending or portfolio/credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies.

- Experience in handling due diligence or transaction advisory.

- Be comfortable with numbers, analyzing financial statements, managing, and interpreting data and solving problems - to aid in credit underwriting.

- Excellent report writing and communication skills.

- Possess a good eye for detail and have demonstrated ability to work under tight timelines.

Credit Analyst / Senior Credit Analyst

Credit unit facilitates lending to existing & new clients by assessing creditworthiness, monitoring clients' performance on a regular basis, and making suitable recommendations to the credit committees.

The team is expected to do a deep dive financial analysis of customers, regularly meet / interact with the stakeholders of borrowers, keep regular track of key performance milestones, be cognizant of & follow internal policies & processes, and present findings / recommendations to internal committees in timely & concise manner.

Job Description :

- Independently prepare comprehensive credit assessment (covering macro-overview, industry/sector, competitor, business, financial and credit analysis) of clients on continuous basis through desk review and on-field diligence and monitoring; keep a close watch on allocated portfolio clients. It also includes preparation of detailed proposal notes for internal circulation.

- Able to hold conversations and engage with clients' senior management and present the clients' credit profile to internal team and Credit Committee to support their decision making.

- Follow-up with the sales team, account relationship team and other concerned teams for new sourcing and renewal/review. Identifying early warning signs of credit deterioration, joint monitoring of portfolio with account relationship team based on early warning systems.

- Capable of forming a view and suggesting course of action with regards to exposures clients.

Must Have

- CA / MBA with minimum 4 plus years of relevant credit assessment experience for mid/large corporates.

- Structured credit/lending or portfolio/credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies.

- Experience in handling due diligence or transaction advisory.

- Be comfortable with numbers, analyzing financial statements, managing, and interpreting data and solving problems - to aid in credit underwriting.

- Excellent report writing and communication skills.

- Possess a good eye for detail and have demonstrated ability to work under tight timelines.

Job Description

Position Title: Credit Analyst Location: Remote – India based (with extensive travel across Southeast Asia) Reporting To: VP Credit Analysis

Role Overview

We are looking for an experienced Credit Analyst to join our dynamic team. The selected candidate will work closely with the VP Credit Analysis to assess credit risks, develop financial models, and support key business decisions. The role requires a meticulous and analytical professional who can evaluate risks, provide actionable insights, and ensure compliance with organizational and regulatory standards. This position offers the flexibility of remote work, combined with significant opportunities for travel across Southeast Asia to meet with stakeholders and oversee credit-related operations.

Key Responsibilities

1. Credit Risk Assessment

o Conduct in-depth credit analysis of clients, vendors, and partners to evaluate their financial health and creditworthiness.

o Develop and maintain detailed financial models and risk assessment frameworks to support decision-making processes.

2. Stakeholder Collaboration

o Work closely with internal teams, including sales and risk departments, to ensure streamlined credit operations and effective risk management.

o Engage with external stakeholders such as banks, NBFCs, and other financial institutions to facilitate credit terms and business operations.

3. Policy Adherence and Compliance

o Ensure compliance with regulatory requirements and internal credit policies.

o Assist in implementing and improving credit policies and procedures in line with organizational goals.

4. Reporting and Documentation

o Prepare detailed credit reports and risk analysis summaries for senior management.

o Provide actionable recommendations to mitigate risks and support business growth.

5. Travel and On-Site Engagement

o Travel extensively across Southeast Asia to meet with business partners, conduct site visits, and oversee cross-border credit operations.

Job description

Position: Credit Analyst

Qualification: A Graduate Degree in Commerce/Finance/Business or a Semi Qualified CA (dropped)

Location: Mumbai (Mulund West)

Job Description: -

• Preparation of proposal notes related to Real Estate Finance

• Internal risk assessment and data analysis of proposals using MS Excel

• Preparation of CMA, Cash Flows, Fund Flows and Ratio Analysis

• Evaluating clients’ credit data and financial statements for preliminary risk assessment

• Interact with financial institutions and clients for due diligence and documentation.

Key Expectations -

• Good understanding of financial analysis of companies
• Intermediate level skills in MS Office – Good Keyboard skills and knowledge of shortcuts in MS Excel
• Understanding of various banking asset products

While we would prefer someone with up to a year of relevant experience, even freshers with a good knack for Excel and an interest in building a career in real estate finance are encouraged to apply.

Salary: Upwards of Rs 3 Lacs. Would not be a constraint for the right candidate.

Website:

Job Title: Credit Manager - LAS

Job Responsibilities:

• Assess creditworthiness of clients using financial statements, credit reports, and industry analysis
• Prepare detailed credit appraisal memos and risk assessments
• Monitor and track the performance of existing credit exposures and portfolios
• Develop and update internal credit rating models and scorecards
• Conduct regular portfolio reviews and ensure early warning systems are in place
• Liaise with business teams, legal, and operations for credit approvals and documentation
• Ensure compliance with internal credit policies and regulatory frameworks (RBI guidelines)

Required Qualifications & Skills:

• Bachelor’s or Master’s degree in finance, Accounting, Economics, or related field
• 2–5 years of experience in credit analysis, banking, NBFC
• Strong knowledge of financial statement analysis, ratios, and cash flow
• Proficient in Microsoft Excel Strong written and verbal communication skills

About Company

It is a specialized real estate investment firm dedicated to providing early-stage financing to developers. Our bridge financing solutions are designed specifically for real estate developers, offering capital at the pre-RERA registration stage to support their growth. Each transaction is carefully structured to meet the unique needs of our clients, ensuring they have the necessary resources and backing to succeed in today's dynamic real estate market.

We also offer SEBI-registered Category II Real Estate Alternative Investment Funds (AIFs) and a platform for private placement of debt , providing diverse financing solutions for the real estate sector.

Job Description

About the role:

As a Credit Analyst , you will be responsible for evaluating project feasibility, conducting rigorous risk assessments, leading due diligence processes — including legal, technical, corporate and financial. A critical part of the role will be negotiating deal terms and structuring deals that align with both developer requirements and investor expectations.

This position is ideal for someone who thrives in a high-accountability environment and is comfortable interacting with senior management, legal and technical advisors and real estate promoters. You'll have the opportunity to work closely with our founding team, contribute to strategic capital deployment decisions, and help shape the future of private debt in India’s real estate sector.

Key Responsibilities:

• Credit Analysis : Review financial statements, credit reports, property appraisals, and other relevant data to assess the financial health of borrowers and the viability of real estate projects.
• Debt Structuring and Syndication : Design loans that suit the borrower's needs, prepare loan agreements and terms, collaborate with other lenders to share the loan.
• Due Diligence : Perform due diligence on potential borrowers and properties, including site visits, legal document reviews, and title searches.
• Risk identification and mitigation : Identify and assess credit risks, suggest strategies to mitigate risks and minimize exposure to ensure sound credit decisions.
• Committee sanctions : Prepare financial models to assess borrowers' creditworthiness and investment committee presentations for internal approvals and decisions.
• Documentation : Post approval from Committee, co-ordinate and manage the end-to-end documentation process — including drafting, reviewing and executing sanction letter and security documents.
• Periodical Monitoring : Regularly monitor existing loan portfolios to identify potential credit risks and take necessary actions to mitigate them.
• Relationship management : Build and maintain relationships with developers, investment partners, and internal stakeholders
• Required Skills:
• Understanding of real estate project loans and regulatory frameworks
• Data interpretation and Debt transaction structuring
• Conducting Due diligences
• Preparing financing models for sanctioning loans
• Leading negotiations with stakeholders
• Risk mitigation strategies
• Financial covenants tracking
• Excellent communication and stakeholder management skills
• Advanced MS Office (Excel, Word and PowerPoint)

Education and Experience:

• Minimum 1-3 years of experience in real estate finance, structured finance, debt syndication, NBFCs, AIFs, or private credit
• CFA ( All levels Cleared ) or MBA (in finance) or CA.

Key Responsibilities:

• Evaluate creditworthiness of loan proposals submitted by the retail sales team.
• Analyze financial documents including income statements, bank statements, ITRs, and CIBIL reports.
• Perform risk assessment on customers applying for personal loans, business loans, or other retail financial products.
• Prepare detailed credit appraisal memos and present findings to the credit committee.
• Ensure compliance with internal credit policy and RBI/NBFC regulatory norms.
• Monitor portfolio performance and recommend actions for delinquent accounts.
• Coordinate with sales, operations, and legal teams for smooth credit evaluation process.

Desired Candidate Profile:

• Graduate/Postgraduate in Finance, Commerce, Economics, or related field.
• 2–5 years of experience in credit analysis, preferably in the retail segment (personal loan, business loan, consumer finance, etc.) within an NBFC or financial institution.
• Strong understanding of retail lending products, credit underwriting, and risk analysis.