Credit Analyst

Jobs Territory; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Jobs Territory in Bengaluru invites experienced credit professionals to join our corporate credit and project finance team. You will evaluate deals, prepare CAMs and IMs, analyze business models, cash flows and DSCR, and structure mitigants.

You will present cases to the Credit Committee, support sanctioning, structuring and monitoring, and contribute to underwriting frameworks while tracking covenants and early warning signals.

Qualifications

• 3–15 yrs in corporate credit / project finance / working capital lending.
• Must have non-retail lending exposure (No retail/fintech underwriting).
• CA / MBA (Finance) / CFA / FRM preferred.

Responsibilities

• Prepare CAMs and IMs across corporate/SME/project finance.
• Analyze business models, financials, cash flows, DSCR, leverage.
• Identify risks and structure mitigants (DSRA, covenants, escrow, etc.).
• Present cases to Credit Committee with conviction.
• Support sanctioning, structuring and monitoring.
• Track covenants, early warning signals, restructurings.
• Monitor borrower performance and SMA triggers.
• Contribute to underwriting frameworks and credit policies.

Skills

Credit appraisal

Credit decisioning

Financial analysis

DSCR analysis

Education

CA

MBA (Finance)

CFA

FRM

Job description

What Youll Do-

Credit Appraisal

• Prepare detailed CAMs and IMs across corporate/SME/project finance


• Analyze business models, financials, cash flows, DSCR, leverage


• Identify risks and structure mitigants (DSRA, covenants, escrow, etc.)

Credit Decisioning

• Present cases to Credit Committee with conviction


• Support sanctioning, structuring and monitoring


• Track covenants, early warning signals, restructurings

Portfolio and Market Intelligence

• Monitor borrower performance and SMA triggers


• Contribute to underwriting frameworks and credit policies

Who We’re Looking For

3–15 yrs in corporate credit / project finance / working capital lending

Must have non-retail lending exposure (No retail/fintech underwriting)

CA / MBA (Finance) / CFA / FRM preferred