Credit Analyst SME

Intellectual Capital HR Consulting Pvt. Ltd.; Chandigarh; On-site; INR 600,000 - 900,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai is seeking a Credit Analyst for the SME Credit team.

You will evaluate creditworthiness, prepare detailed credit appraisal notes, and support risk assessment and portfolio monitoring for SME clients. The role requires 2–6 years in credit underwriting, with CA or MBA preferred. You will interact with clients and coordinate with internal teams to ensure compliant terms and conditions.

Qualifications

• 2–6 years of experience in Credit Underwriting (SME or Large Corporate segment).
• CA or MBA preferred.
• Strong analytical and credit assessment skills.
• Good verbal and written communication skills.

Responsibilities

• Prepare Credit Appraisal Notes (CRANs) for SME clients.
• Coordinate with business teams to finalize terms and conditions from a risk perspective.
• Interact with clients to gather required financial and operational information.
• Monitor accounts in line with sanction terms and highlight deviations.
• Prepare monthly and quarterly portfolio monitoring reports.
• Identify and elevate non-compliances along with recommended action plans.
• Conduct site visits to client units and submit detailed inspection reports.
• Manage and address escalations related to credit and risk assessments.

Skills

Credit underwriting

Credit risk assessment

Financial analysis

Client communication

Stakeholder coordination

Education

CA

MBA (Finance)

Job description

Job Title: Credit Analyst SME
Department: SME Credit
Location: Mumbai
Reporting To: Credit Manager

About the Role

We are looking to hire a Credit Analyst for the SME Credit team. The role involves evaluating creditworthiness, preparing detailed credit appraisal notes, and supporting risk assessment and portfolio monitoring for SME clients.

Key Responsibilities

• Prepare Credit Appraisal Notes (CRANs) for SME clients
• Coordinate with business teams to finalize terms and conditions from a risk perspective
• Interact with clients to gather required financial and operational information
• Monitor accounts in line with sanction terms and highlight deviations
• Prepare monthly and quarterly portfolio monitoring reports
• Identify and elevate non-compliances along with recommended action plans
• Conduct site visits to client units and submit detailed inspection reports
• Manage and address escalations related to credit and risk assessments

Candidate Profile

• 2–6 years of experience in Credit Underwriting (SME or Large Corporate segment)
• CA or MBA (Finance) preferred
• Strong analytical and credit assessment skills
• Good verbal and written communication skills
• Ability to coordinate with internal teams and external stakeholders