Credit Analyst

Flexiple; India; Hybrid; INR 900,000 - 1,500,000; Full time

Job summary

Flexiple is partnering with a domestic insurance company to modernise its credit operations. The role is based in Mumbai or Gurugram with a hybrid work model.

You will read financial statements and bank data to assess repayment capacity, and prepare credit memos with clear recommendations and risks. You will verify information, monitor accounts, track covenants, and participate in a weekly committee process.

Qualifications

• 2–6 years of credit analysis or lending experience.
• Strong ability to write structured, concise credit memos.
• Experience with financial-statement and cash-flow analysis.

Responsibilities

• Read financial statements and bank data to assess repayment capacity.
• Write credit memos with recommendations and risks.
• Verify information via site visits or calls when needed.
• Monitor existing accounts for early signs of stress and track covenants.

Skills

Credit analysis

Lending

Financial statement analysis

Cash-flow analysis

Concise writing

Education

Bachelors in commerce/finance/economics

CA/CFA/MBA preferred

Job description

The credit team evaluates applications and monitors existing accounts. It belongs to a domestic insurance company modernising its operations team. The company is moving from paper-heavy routines to something more systematic, one team at a time. The work covers lending against policies and investment-portfolio credit checks, which is a smaller but growing book.

What the team is responsible for

The analyst reads financial statements and bank data, builds a view of repayment capacity and recommends whether and how much to lend.

• Write credit memos with a clear recommendation and stated risks
• Verify information through site visits and calls where needed
• Monitor existing accounts for early signs of stress
• Track covenants and renewal dates

How the team decides

Files are assigned by ticket size, reviewed by the credit manager and discussed at a weekly committee. The company has partnered with Flexiple, a managed marketplace that helps global companies build strong teams in India. The position is in Mumbai or Gurugram (hybrid).

What we look for

• 2 to 6 years in credit analysis or lending
• Structured, concise writing
• Graduate degree in commerce, finance or economics; CA, CFA or MBA preferred
• Experience in credit assessment, lending or financial analysis
• Strong financial-statement and cash-flow analysis skills

HR screening, an assignment, a panel interview with the team, then a culture conversation. Your profile stays on file, so one application can be matched to other suitable roles later.