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.