Credit Analyst - Financial Institutions

Intellectual Capital HR Consulting Pvt. Ltd.; Ahmedabad District; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Credit Analyst BFIG Credit to conduct credit risk underwriting for NBFCs and housing finance entities from Mumbai.

You will assess securitisation projects, prepare appraisal notes, and engage with clients to understand risk policies. The role requires strong communication and regulatory knowledge for informed senior-level decisions. You will perform ongoing credit monitoring, ensure compliance with industry standards, and coordinate with

Qualifications

• CA / MBA with at least 3-4 yrs relevant segment.
• Good understanding of Accounting Standards, Balance Sheet Analysis.
• Knowledge of RBI regulations, SEBI and other statutory bodies requirements.
• Good interaction and communication ability.
• Excellent verbal, written communication & presentation skills.

Responsibilities

• Credit risk underwriting of credit facilities to NBFCs/Housing Finance Companies.
• Credit risk assessment of securitisation transactions (PTCs).
• Preparation of credit appraisal notes covering detailed analysis of business, industry and financials.
• Doing client calls to understand their business model and risk management policies.
• Providing detailed recommendations to senior credit approvers on risk aspects and assessments for particular loans.
• Ensuring that loans adhere to program, compliance, due diligence and industry requirements.
• Continuous credit monitoring of the loan portfolio based on market information and periodic reviews of the performance of credit facilities sanctioned to clients.
• Escalate with action plan for non-compliances
• Co-ordinating with internal auditors and make representations to RBI for resolving queries raised by them in RBI audits

Skills

Credit risk underwriting

Credit risk analysis

Balance sheet analysis

Regulatory knowledge

Communication skills

Education

CA / MBA

Job description

Credit Analyst BFIG Credit

Location: Mumbai

Job Role

• Credit risk underwriting of credit facilities to NBFCs/Housing Finance Companies.
• Credit risk assessment of securitisation transactions (PTCs)
• Preparation of credit appraisal notes covering detailed analysis of business, industry, management and financials.
• Doing client calls to understand their business model and risk management policies.
• Providing detailed recommendations to senior credit approvers on risk aspects and assessments for particular loans.
• Ensuring that loans adhere to program, compliance, due diligence and industry requirements.
• Continuous credit monitoring of the loan portfolio based on market information and periodic reviews of the performance of credit facilities sanctioned to clients.
• Escalate with action plan for non-compliances
• Co-ordinating with internal auditors and make representations to RBI for resolving queries raised by them in RBI audits

Job Requirements -

CA / MBA with at least 3-4 yrs relevant segment.

• Good understanding of Accounting Standards, Balance Sheet Analysis.
• Knowledge of RBI regulations, SEBI and other statutory bodies requirements.
• Good interaction and communication ability.
• Excellent verbal, written communication & presentation skills.