Business Analyst - Mid Market Working Capital SCF - Mumbai

Aditya Birla Capital Ltd.; Mumbai; On-site; INR 1,200,000 - 1,300,000; Full time

Job summary

Aditya Birla Finance Ltd. in Mumbai seeks a Business Analyst to underwrite and manage Mid-Market and Supply Chain Finance (SCF) credit. The role emphasizes sound risk decisions, portfolio monitoring, timely renewals, and adherence to risk policies while ensuring fast turnaround times.

You will collaborate with sales, risk, legal, and operations to structure deals, monitor portfolios, and mentor junior analysts in a fast-paced environment.

Qualifications

• MBA/Masters in Finance with 3-4 years of relevant experience.
• Experience in credit analysis and underwriting for Mid-Market & SCF.
• Strong stakeholder management and risk-focused decision making.

Responsibilities

• Analyze and underwrite credit proposals using financial, business, and risk assessments.
• Evaluate borrower creditworthiness and recommend approval or rejection decisions.
• Collaborate with sales, risk, legal, and operations teams for deal structuring and faster sanctions.
• Monitor existing portfolios, renewals, DPDs, covenant compliance, and annual reviews.
• Support anchor program reviews and post-sanction surveillance.
• Build strong relationships with clients and internal stakeholders while balancing growth and risk.
• Assist in training and mentoring junior credit analysts.

Skills

Credit Analysis

Financial Statement Analysis

Commercial Lending

Risk Assessment

Loan Structuring

Portfolio Monitoring

Stakeholder Management

SCF/MC Lending

Education

MBA/Masters in Finance

Job description

Business Analyst | Aditya Birla Finance Ltd. (Mid-Market & SCF)

Eligibility: MBA/Masters in Finance with 3-4 years of relevant experience.

Role Summary: Responsible for credit appraisal and underwriting of Mid-Market & Supply Chain Finance (SCF) cases, ensuring sound credit decisions, portfolio monitoring, timely renewals, and adherence to risk policies while maintaining quick turnaround times (TAT).

Key Responsibilities:

• Analyze and underwrite credit proposals using financial, business, and risk assessments.
• Evaluate borrower creditworthiness and recommend approval/rejection decisions.
• Collaborate with sales, risk, legal, and operations teams for deal structuring and faster sanctions.
• Monitor existing portfolios, renewals, DPDs, covenant compliance, and annual reviews.
• Support anchor program reviews and post-sanction surveillance.
• Build strong relationships with clients and internal stakeholders while balancing growth and risk.
• Assist in training and mentoring junior credit analysts.

Key Skills: Credit Analysis Financial Statement Analysis Commercial Lending Risk Assessment Loan Structuring Portfolio Monitoring Stakeholder Management Supply Chain Finance (SCF) Mid-Market Lending

Ideal Candidate: A credit professional with strong analytical skills, commercial lending experience, stakeholder management capabilities, and the ability to make prudent credit decisions in a fast-paced environment.