Credit Analyst

Kaleidofin Capital; Chennai District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Kaleidofin Capital Pvt Ltd (KCPL) in Chennai invites a credit underwriting professional to assess partner organizations, set underwriting standards, and monitor performance.

The role demands strong financial analysis, clear English reporting, and Excel skills, with collaboration across teams to support credit decisions and risk management.

Qualifications

• Strong financial analysis and reporting skills.
• Ability to write clear English reports.
• Experience in underwriting or credit assessment preferred.

Responsibilities

• Responsible for assessing and evaluating partner organizations and monitoring performance.
• Contribute to development of underwriting standards for selection of partners.
• Conduct due diligence & prepare clear and crisp credit notes / documents, working with senior colleagues.
• Present risk opinion to credit committee and assist with onboarding of partner organizations.
• Ongoing monitoring of Kaleidofin partner organizations

Skills

Report writing

Financial analysis

Teamwork

English & Hindi

Education

CA or CFA freshers

Tools

Microsoft Excel

Job description

Kaleidofin Capital Pvt Ltd (KCPL), incorporated on March 19, 2021, is a Non-Banking Financial Company (NBFC) focused on enabling finance to informal enterprises and underserved customer segments often overlooked by traditional financial institutions. KCPL, a wholly owned subsidiary of Kaleidofin Pvt Ltd (KPL) and operates as part of a larger digital ecosystem built by KPL whose mission is to ensure finance for everyone, everywhere. KCPL specializes in enterprise loans [Nano Business, Agri/Dairy, Women entrepreneur loans] and leverages KPL’s ki credit platform and ki score driven origination via a partnership model with high quality originators.
KCPL received its NBFC certification in 2022, officially authorizing it to conduct lending activities. Since then, the company has expanded its operations to over 437 districts across 12+ states in India, leveraging Kaleidofin’s established presence in these regions. This extensive reach allows KCPL to make a substantial impact in rural and semi-urban regions, effectively bridging the financing gap for informal and small-scale businesses.
Utilizing the proprietary “ki score” – an advanced supervised machine learning algorithm that specializes in assessing credit risk for thin file customers, KCPL has built credit book of INR 1.8 billion, primarily focused on informal micro-enterprises, agricultural and allied industries, and loans for women entrepreneurs. This growth is backed by partnerships with banks, large NBFCs, and a strong network of originators. Additionally, KCPL’s expertise in debt capital markets and structured finance has enabled it to leverage a diverse set of funding sources to support its lending initiatives.
KCPL’s strategic direction is guided by a distinguished board, including three co-founder directors: Mr. Puneet Gupta, Mrs. Sucharita Mukherjee, and Mr. Vipul Sekhsaria. They are supported by Independent Director Mr. Ramanathan. Kaleidofin Capital is led by a team of seasoned professionals with deep expertise in finance, technology, and customer impact. The leadership team combines years of experience with a shared commitment to driving meaningful change through delivery of suitable finance.
Kaleidofin Private Limited is a fintech focused on the mission to build a digital ecosystem ensuring finance for everyone, everywhere. We provide the ki credit platform, combining credit health assessment (ki score), middleware rails and best-in-class risk management (ki view) to enable the financial ecosystem to serve customers better. Via credit health scores for impactful finance and innovative debt structures to scale, Kaleidofin is driving towards its goal to unlock access to tailored finance for women, agri and nano entrepreneurs – in India, Bangladesh and East Africa. The platform has unlocked debt capital of cumulatively more than USD 4.27 billion for over 6.75 million customers and small enterprises working in the informal economy. Over the years, Kaleidofin has raised capital of USD 42 million from marquee investors, including The Bill & Melinda Gates Foundation, The Michael & Susan Dell Foundation, Rabo Partnerships, IDH Farmfit Fund, Oikocredit, Flourish, Omidyar Network, Blume Ventures, and Bharat Fund, who share our commitment to financial inclusion and impact.
To know more about Kaleidofin capital, do visit our site https://kaleidofincapital.com

• Responsible for assessing and evaluating partner organizations and monitoring performance of existing partners.
• Contribute to development of underwriting standards for selection of partners.
• Conduct due diligence & prepare clear and crisp credit notes / documents, working together with senior colleagues.
• Present risk opinion to credit committee and assist with onboarding of partner organizations.
• On-going monitoring of Kaleidofin partner organizations

Who you need to be?

• Ability to write clear and coherent reports in English.
• Financial analysis skills and quick to understand numbers and trends.
• Good skills in Microsoft Excel
• Teamwork and collaborative approach
• Fluent in English, Hindi, and any other Indian / Foreign language(s).
• CA fresher or CA Final Group 1 cleared or CFA freshers.