Analyst - Credit Risk

bluCognition; Pune District; On-site; INR 600,000 - 1,200,000; Full time

Job summary

bluCognition is an AI-powered credit intelligence company that helps lenders and financial institutions assess credit risk using structured and unstructured financial data. We are seeking an Analyst / Senior Analyst – Credit Risk to support underwriting, risk consulting, and financial analysis for engagement-based projects.

The role requires strong analytical skills, attention to detail, and proficiency with MS Excel, with experience in cash flow and working capital analysis, and the ability to

Qualifications

• 1-3 years of experience in credit risk, commercial credit underwriting, financial analysis.
• Strong understanding of financial statements, cash flow, and ratio analysis.
• Proficient in MS Excel and data handling.
• Ability to work with large volumes of financial data and stakeholders.

Responsibilities

• Analyze financial statements, bank statements, tax documents, AR/AP aging and other business/financial documents to assess the financial position and creditworthiness of entities.
• Perform financial spreading, ratio analysis, cash-flow and working-capital analysis, support credit underwriting and decisioning, and monitor portfolio performance and key credit risk indicators.
• Conduct business and industry research, including verification of entity information and identification of relevant business or credit risks.
• Review supporting documentation, including commercial contracts, to identify inconsistencies, key terms and potential credit risks.
• Manage assigned underwriting cases and queues, ensuring accuracy, quality and adherence to client SLAs and processes.
• Maintain trackers, MIS and other process documentation, and support SOP, process improvement and automation initiatives.

Skills

Analytical skills

Attention to detail

MS Excel

Communication skills

Structured/deadline-driven

Credit risk understanding

Education

Bachelor's degree in Commerce/Finance/Economics/Business

MBA / M.Com / CA Inter or equivalent

Tools

MS Excel

Job description

bluCognition is an AI-powered commercial credit intelligence company serving lenders and financial institutions. Our platform combines commercial credit data contributed by 150+ lenders with AI-driven analytics, banking data and fraud detection to help our clients make faster, better credit decisions. Our product suite includes bluSense, which converts bank statements into standardized, categorized transaction data with real-time financial insights, and FraudLens, which detects document tampering and first-party fraud. Alongside our data products, we run a managed services business supporting underwriting, fraud review, and KYC/KYB and sanctions screening operations for our clients, with teams across North America, Asia and Europe.

About the Role

We are looking for an Analyst / Senior Analyst – Credit Risk to support credit underwriting and risk consulting engagements. The role will involve financial analysis, credit assessment, underwriting execution and research, with responsibility for accurately evaluating financial and business information and supporting credit decisions. The ideal candidate should have a strong understanding of financial statements, good analytical and problem-solving skills, attention to detail, and the ability to work effectively with structured and unstructured financial information.

Key Responsibilities

• Analyze financial statements, bank statements, tax documents, AR/AP aging and other business/financial documents to assess the financial position and creditworthiness of entities.
• Perform financial spreading, ratio analysis, cash-flow and working-capital analysis, support credit underwriting and decisioning, and monitor portfolio performance and key credit risk indicators.
• Conduct business and industry research, including verification of entity information and identification of relevant business or credit risks.
• Review supporting documentation, including commercial contracts, to identify inconsistencies, key terms and potential credit risks.
• Manage assigned underwriting cases and queues, ensuring accuracy, quality and adherence to client SLAs and processes.
• Maintain trackers, MIS and other process documentation, and support SOP, process improvement and automation initiatives.

What we are looking for

• 1-3 years of experience in credit risk, commercial credit underwriting, financial analysis or financial services; experience with US, Canada or LATAM markets preferred.
• Strong understanding of financial statements, ratio analysis, cash flow, working capital and credit fundamentals, with the ability to assess a company's financial position.
• Strong analytical skills and attention to detail, with the ability to work with large volumes of financial and business information.
• Good understanding of MS Excel, including financial analysis and data handling.
• Strong written & verbal communication skills and ability to work effectively with stakeholders.
• Ability to work in a structured, deadline-driven environment & adapt across multiple client processes / requirements.

Educational Qualifications

• Bachelor's degree in Commerce, Finance, Economics, Business or a related discipline.
• MBA / M.Com / CA Inter / Semi-qualified CA or equivalent qualification is preferred.
• Relevant credit risk/underwriting experience will be considered in lieu of additional qualifications.