Senior Credit Analyst - Supply Chain Finance

Designation: Senior Credit Analyst

Location: Mumbai

Qualification preferences: CA/MBA (Finance)

Work Experience:

- Minimum 5 years of experience in Credit underwriting for Supply Chain Finance/Working Capital loan products (Corporates & MSME's).

• Preference will be given to candidates who have previous experience of working with a Fintech/NBFC.

Key Responsibilities:

• Conduct thorough assessment, review, and recommendation of credit proposals to the approving authority following detailed due diligence.
• Take complete ownership of credit underwriting and credit administration tasks.
• Perform detailed credit assessments of prospective anchors for Supply Chain Finance programs.
• This includes analysis of the company's business model, product offerings, management, dealer/vendor ecosystem, past credit ratings, market, and reference checks.
• Carry out financial analysis, including Balance Sheet, Profit & Loss Statement, Cash Flow Statements, Ratio Analysis, CMA preparation with projections, and sensitivity analysis, and recommend findings to the approving authority.
• Analyse various data related to the company for the credit assessment note, including credit rating reports, annual reports, investor presentations, stock market performance data, and legal checks.
• Conduct detailed scrutiny of credit reports of entities (proprietorships, partnerships, private limited companies) and individuals, and provide detailed observations and recommendations.
• Analyse detailed Credit Approval Memos (CAMs) for counterparties (dealers, vendors), including assessments of financials, bank statements, GST returns, credit bureaus, stock statements, and other compliance checks.
• Independently make credit decisions and recommend cases with eligible limits as per the defined credit policy.
• Handle large unsecured and secured exposures to counterparties comfortably.
• Coordinate with various vendors (financial institutions, banks) and resolve related issues.
• Partner with business and credit administration teams to ensure smooth underwriting and onboarding processes.
• Manage portfolio and conduct credit monitoring.