Credit Processing Associate: Working Capital/Term Loans - SME Lending

Oxyzo Financial Services Pvt. Ltd.; Gurugram District; On-site; INR 600,000 - 900,000; Full time

Job summary

Oxyzo Financial Services Pvt. Ltd. in India is seeking a detail-oriented credit analyst to prepare CAMs for business/MSME loan applications and to analyze financial statements and GST data. You will review banking and credit history, perform CIBIL observations, and coordinate with underwriting to ensure timely processing.

The role involves reconciling data across financial, banking, and tax sources and identifying discrepancies and risk indicators to support sound lending decisions.

Responsibilities

• Prepare Credit Appraisal Memos (CAM) for business/MSME loan applications.
• Analyze financial statements, including Balance Sheets, P&L, and key financial ratios.
• Conduct banking analysis, including turnover, average bank balance, CC/OD utilisation, cheque returns, and repayment track record.
• Perform GST analysis, including turnover validation, GSTR-1 and GSTR-3B reconciliation, and ITC analysis.
• Reconcile financial, banking, and GST data to identify discrepancies, deviations, and potential risk indicators.
• Review CIBIL reports and highlight credit-related observations and red flags.
• Coordinate with Underwriting, Operations, and Documentation teams for case-related queries and timely processing.

Job description

1. Prepare Credit Appraisal Memos (CAM) for business/MSME loan applications.
2. Analyze financial statements, including Balance Sheets, P&L, and key financial ratios.
3. Conduct banking analysis, including turnover, average bank balance, CC/OD utilisation, cheque returns, and repayment track record.
4. Perform GST analysis, including turnover validation, GSTR-1 and GSTR-3B reconciliation, and ITC analysis.
5. Reconcile financial, banking, and GST data to identify discrepancies, deviations, and potential risk indicators.
6. Review CIBIL reports and highlight credit-related observations and red flags.
7. Coordinate with Underwriting, Operations, and Documentation teams for case-related queries and timely processing.