Branch Credit

GrowXCD Finance Private Limited; Devarapalli; On-site; INR 350,000 - 700,000; Full time

Job summary

GrowXCD Finance Private Limited in Devarapalli, Andhra Pradesh, is seeking a detail-oriented credit risk analyst to evaluate loan applications for secured products, assess borrower creditworthiness, and ensure regulatory compliance.

You will coordinate with sales, legal, and operations teams, review financial documents and valuation reports, and maintain MIS for audit-ready credit decisions.

Qualifications

• Bachelor's degree in finance, economics, or related field.
• Experience in credit risk analysis or loan underwriting is preferred.
• Knowledge of regulatory guidelines and internal credit policies.

Responsibilities

• Evaluate loan applications for secured products based on customer profile, income, collateral value, and creditworthiness.
• Analyze financial documents, bank statements, ITRs, property documents, and valuation reports.
• Conduct PDs with borrowers to assess repayment capability and intent.
• Ensure adherence to internal policies and regulatory guidelines and identify fraud indicators.
• Coordinate with sales, legal, technical, and operations teams for timely processing and disbursement.
• Maintain MIS and audit-ready records for credit decisions and disbursement files.

Skills

Credit risk assessment

Financial analysis

Policy adherence

Education

Bachelor's degree in Finance/Economics

Tools

Excel

Job description

Devarapalli, India | Posted on 04/09/2026

• Evaluate loan applications for secured products (Loan Against Property, gold loans, vehicle loans, etc.) based on customer profile, income, collateral value, and creditworthiness.
• Analyze financial documents, bank statements, ITRs, property documents, and valuation/legal reports.
• Conduct personal discussions (PDs) with borrowers (where applicable) to assess repayment capability and intent.

Risk Management & Policy Adherence

• Ensure adherence to internal credit policies, regulatory guidelines, and risk norms.
• Identify and highlight potential risks or fraud indicators in applications.
• Maintain a healthy balance between risk control and business growth.

Coordination & Stakeholder Management

• Work closely with sales, legal, technical, and operations teams to ensure smooth processing and timely disbursement.
• Coordinate with legal and technical vendors for timely verification and reporting.
• Track branch loan performance, delinquency trends, and early warning signals.
• Participate in monthly portfolio review meetings and recommend corrective actions.

Documentation & Compliance

• Ensure complete and accurate documentation as per the loan product and regulatory requirements.
• Maintain MIS and audit-ready records for credit decisions and disbursement files.