Business Analyst - Mid Market Working Capital SCF - Vadodara

Aditya Birla Capital Ltd.; Vadodara; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Aditya Birla Finance Ltd. is seeking a Business Analyst to handle credit appraisal and underwriting for Mid-Market & SCF, ensuring sound credit decisions and timely renewals. The role involves risk assessment, portfolio monitoring, and collaboration with cross-functional teams.

The ideal candidate holds an MBA or Masters in Finance with 3-4 years of relevant experience and excels in stakeholder management in a fast-paced environment.

Qualifications

• MBA/Masters in Finance with 3-4 years of relevant experience.
• Strong credit appraisal and underwriting capabilities.
• Experience with Mid-Market and Supply Chain Finance (SCF).

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.

Skills

Credit Analysis

Financial Statement Analysis

Commercial Lending

Risk Assessment

Loan Structuring

Portfolio Monitoring

Stakeholder Management

SCF

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, DPDs, covenant compliance, and annual reviews 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.