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Job Id: 602
Job Title: Credit Analyst - Delhi
Industry: Banking, Financial Servcies & Insurance
Functional Area: Analytics & Business Intelligence
Salary: 5 Lac - 8 Lac
Job Location: Delhi / NCR
About the Client

The Company is a Non Banking Finance Company (NBFC) registered with the Reserve Bank of India. It offers financial programs to channel partners in the supply chain industry through the wide network of branches of its subsidiaries across India. Its portfolio includes vendor financing and short term installation project financing.

Its parent company is a Rs 5,000 Crore (US$ 800 Million) professionally managed enterprise that has a significant presence in businesses such as IT distribution, telecom and financial services.

Job Description

Job Title: Credit Analyst

Location: Gurgaon (Delhi-NCR)

Candidate Role/Profile –
1. Analyze the customer financial statements
2. Analyze the bank statements, repayment track record and does all other due diligence for credit appraisal of the customer
3. Searches, scrutinizes the customer repayment behavior using various tools
4. Customer visits, discussions to understand the customer business processes
5. Ensures the compliance of Credit Policy and Processes
6. Ensuring assignment of correct Credit Rating using the Credit Scoring model
7. Credit Appraisal-assessment of credit risk and the exposure on the customer
8. Works closely with Sales and Relationship team for monitoring of the portfolio
9. Ensuring credit exposures are within the limits
10. Keeping abreast of market and remaining updated on policies, compliance, market related issues.

Desired Candidate Profile

Required Experience: 2-5 years in Credit Analysis/ Financial Analysis in Banks/NBFCs

Educational Qualification
1. CA / CFA / MBA or similar qualification

Technical Skills: Minimum level of technical skill required for the role are as under:
1. Excellent understanding of the Financial Statements ( Balance, P&L) and ratios
2. Excellent analytical skill
3. Excellent in number crunching
4. Understanding of financial software products/credit scoring models

Other Desired Attributes – Some of the desirable attributes are as under
1. Critical Thinking - Using logic and reasoning
2. Detailed oriented
3. Strong Communication & Inter-personal skills
4. Team Player
5. Adaptable with ability to work effectively under pressure
6. High degree of Integrity

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