Credit Analyst - Associate Relationship Manager

Skillventory; New Delhi; On-site; INR 600,000 - 900,000; Full time

Job summary

Skillventory in Delhi is seeking an experienced credit risk analyst to evaluate financial statements, assess borrower creditworthiness, and support working capital decisions.

The role involves preparing MIS and credit appraisal reports, tracking receivables, and collaborating with Sales, Finance, Treasury, Operations, and Collections to mitigate risk. Strong analytical skills and knowledge of credit metrics are essential.

Qualifications

• Experience in credit risk analysis and financial statement evaluation.
• Ability to assess working capital requirements and liquidity.
• Proficiency in preparing MIS and credit appraisal reports.

Responsibilities

• Analyze financial statements, balance sheets, P&L, and cash-flow statements.
• Assess customer/vendor creditworthiness and repayment capacity.
• Evaluate working capital requirements, including receivables, inventory, payables, and cash conversion cycle.
• Conduct credit risk analysis and recommend appropriate credit limits and terms.
• Monitor outstanding receivables, overdue payments, and utilization of working capital limits.
• Prepare MIS, credit appraisal reports, and portfolio performance reports.
• Identify financial and operational risks and recommend mitigation measures.
• Coordinate with Sales, Finance, Treasury, Operations, and Collections teams.
• Track covenant compliance, bank limits, and working capital facilities.
• Support periodic reviews of existing customers and new credit proposals.

Skills

Financial analysis

Credit risk assessment

Working capital

Credit limits & terms

MIS reporting

Portfolio management

Cross-functional coordination

Risk mitigation

Tools

Excel

Power BI

Job description

Key Responsibilities:

• Analyze financial statements, balance sheets, P&L, and cash-flow statements.
• Assess customer/vendor creditworthiness and repayment capacity.
• Evaluate working capital requirements, including receivables, inventory, payables, and cash conversion cycle.
• Conduct credit risk analysis and recommend appropriate credit limits and terms.
• Monitor outstanding receivables, overdue payments, and utilization of working capital limits.
• Prepare MIS, credit appraisal reports, and portfolio performance reports.
• Identify financial and operational risks and recommend mitigation measures.
• Coordinate with Sales, Finance, Treasury, Operations, and Collections teams.
• Track covenant compliance, bank limits, and working capital facilities.
• Support periodic reviews of existing customers and new credit proposals.