Credit Risk Analyst

Amplio Invest; Mumbai; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Amplio Invest is seeking a Credit Risk Analyst to support underwriting and portfolio risk management for supply chain finance and working capital lending. You will evaluate borrower profiles, analyze financials, and assess transaction risks while ensuring adherence to RBI/NBFC guidelines.

The role offers growth within a fast‑growing financial services platform across India, with close coordination with Sales, Operations, and Compliance teams to ensure smooth credit lifecycle execution.

Qualifications

• 2–5 years in NBFC / Bank / Fintech lending
• Experience in SME lending / working capital / SCF preferred

Responsibilities

• Credit Underwriting Support: analyze loan proposals including invoice discounting, trade receivables financing, working capital loans.
• Review borrower financials (balance sheet, P&L, cash flows) and perform ratio analysis.
• Prepare credit appraisal notes / memos and assist in credit decisioning.
• Risk Assessment: evaluate borrower risk, counterparty risk, and industry/sector risks.
• Credit Decision Support: assist in structuring deals (limits, tenor, pricing) and ensure compliant disbursal.
• Portfolio Monitoring: track delinquencies, generation of MIS reports and dashboards.

Skills

Financial analysis

Working capital

Trade receivables

Financial statements

Excel skills

Risk awareness

Education

CA / MBA (Finance) / CFA / B.Com / equivalent

Tools

Underwriting tools / LOS systems

Job description

Job Description:

About Amplio Invest:

At Amplio, we’re focused on transforming the financial landscape through innovative, technology-led lending and investment solutions. Our core offerings, including Invoice Discounting and Amplio Wealth, are designed to empower both investors and businesses to take control of their financial futures.

We operate as a fast-growing financial services platform with a strong focus on SME and enterprise lending across India, delivering customized, scalable, and sustainable credit solutions. Our presence spans key commercial hubs such as Mumbai, Amritsar, and Gurgaon, and we partner with a diversified base of institutional lenders, financial institutions, and alternative capital providers.

https://amplioinvest.in/

Role Overview

We are looking for a detail-oriented and analytical Credit Risk Analyst to support underwriting and portfolio risk management for supply chain finance and working capital lending.

The role involves evaluating borrower profiles, analyzing financials, assessing transaction risks, and assisting in credit decisioning while ensuring adherence to internal policies and regulatory guidelines.

Key Responsibilities

1. Credit Underwriting Support

• Analyze loan proposals including:
• Invoice discounting
• Trade receivables financing
• Working capital loans
• Review borrower financials (balance sheet, P&L, cash flows)
• Conduct ratio analysis and assess repayment capacity
• Perform bank statement analysis and cash flow validation
• Prepare credit appraisal notes / memos

2. Risk Assessment

• Evaluate: Borrower risk (SMEs / vendors), Counterparty risk (anchor corporates), Industry and sector risks
• Assess: Debtor ageing, Payment cycles, Concentration risks, Highlight key risks and recommend mitigants

3. Credit Decision Support

• Assist senior team in structuring deals: Credit limits, Tenor, Pricing inputs, Provide data-backed recommendations for approval / rejection
• Ensure documentation and compliance before disbursal

4. Portfolio Monitoring

• Track portfolio performance: Delinquencies, Over dues, Early warning signals
• Prepare MIS reports and dashboards
• Support vintage and trend analysis

5. Policy & Compliance

• Ensure adherence to: Internal credit policies, RBI / NBFC guidelines
• Maintain proper credit documentation
• Coordinate with: Legal, Compliance, Operations teams

6. Cross-Functional Coordination

• Work closely with: Sales team for deal inputs, Operations for disbursement
• Collections team for repayment tracking
• Ensure smooth credit lifecycle execution

Eligibility Criteria:

Experience

• 2–5 years in:
• NBFC / Bank / Fintech lending
• Experience in:
• SME lending / working capital / SCF preferred

Educational Qualification

• CA / MBA (Finance) / CFA / B.Com / equivalent

Required Skills

• Strong financial analysis & accounting fundamentals
• Understanding of:
• Working capital cycle
• Trade receivables
• Ability to read and interpret financial statements
• Good Excel and data analysis skills
• Attention to detail and risk awareness

Preferred Skills

• Exposure to:
• Invoice discounting / supply chain finance
• Familiarity with:
• Credit bureau reports (CIBIL / CRIF)
• Experience in underwriting tools / LOS systems

Key Traits

• High attention to detail
• Strong analytical thinking
• Willingness to question assumptions
• Risk-first mindset
• Ability to work in a fast-paced environment

Growth Path

• Credit Risk Analyst → Senior Analyst → Credit Manager → Underwriter