Kaleidofin – Credit Analyst – CA

Kaleidofin; Chennai District; Sur place; INR 800 000 - 1 200 000; Plein temps

Résumé du poste

A leading fintech company in Chennai is seeking a skilled candidate for evaluating and monitoring partner organizations. Responsibilities include assessing partners, developing underwriting standards, and presenting risk opinions to the credit committee. The ideal applicant should possess strong financial analysis skills, be proficient in Microsoft Excel, and demonstrate teamwork abilities. Fluency in English and Hindi is required. The role supports financial inclusion initiatives in underserved communities.

Qualifications

• Ability to write clear and coherent reports in English.
• Financial analysis skills and quick to understand numbers and trends.
• Good skills in Microsoft Excel.
• Teamwork and collaborative approach.
• Fluent in English, Hindi, and any other Indian / Foreign language(s).

Responsabilités

• Assess and evaluate partner organizations and monitor performance.
• Contribute to development of underwriting standards.
• Conduct due diligence and prepare clear credit notes.
• Present risk opinion to credit committee.
• Ongoing monitoring of partners.
• The candidate will be suitably well versed with the appropriate information security responsibilities for the role and is responsible for adhering to them.

Connaissances

Financial analysis skills

Microsoft Excel

Collaboration

Report writing in English

Fluency in Hindi

Outils

Microsoft Excel

Description du poste

Who we are:

Kaleidofin Capital Pvt Ltd (KCPL), incorporated on March 19, 2021, is a prominent Non-Banking Financial Company (NBFC) focused on delivering innovative credit solutions to underserved communities often overlooked by traditional financial institutions. KCPL, a wholly owned subsidiary of Kaleidofin Pvt Ltd, operates as part of a larger fintech ecosystem dedicated to providing comprehensive, customer-centric financial services. With a mission to enhance financial inclusion, KCPL specializes in retail lending through partnerships with Business Correspondents (BC), targeting both individual and Micro, Small, and Medium Enterprise (MSME) customers.

KCPL received its NBFC certification in 2022, officially authorizing it to conduct lending activities. Since then, the company has expanded its operations to over 437 districts across 12+ states in India, leveraging Kaleidofin’s established presence in these regions. This extensive reach allows KCPL to make a substantial impact in rural and semi-urban regions, effectively bridging the financial services gap for informal and small-scale businesses.

KCPL uses cutting-edge technology and data analytics to create personalized financial plans that align with customer goals. Utilizing the proprietary “ki score” – an advanced supervised machine learning algorithm which helps in ensuring efficient service delivery, affordability, and accessibility by underwriting loans for customers with limited documentary evidence on income. With robust underwriting and risk management frameworks KCPL has pioneered innovative lending solutions such as small business loan securitizations and co-lending models.

KCPL has built credit book of INR 1.1 billion, primarily focused on informal micro-enterprises, agricultural and allied industries, and loans for women entrepreneurs. This growth has been driven by partnerships with banks, large NBFCs, and a strong network of originators. Additionally, KCPL’s expertise in debt capital markets and structured finance has enabled it to leverage a diverse set of funding sources to support its lending initiatives.

KCPL’s strategic direction is guided by a distinguished board, including three promoter directors: Mr. Puneet Gupta, Mrs. Sucharita Mukherjee, and Mr. Vipul Sekhsaria. They are supported by Independent Director Mr. Ramanathan. Kaleidofin Capital is led by a team of seasoned professionals with deep expertise in finance, technology, and social impact. The leadership team combines years of experience with a shared commitment to driving meaningful change through financial empowerment. This experienced leadership team brings a wealth of industry expertise, driving KCPL’s mission.

Through a combination of deep market presence, cutting-edge technology, and strong partnerships, KCPL is positioned as a trusted financial services provider, fostering financial inclusion and supporting the growth of India’s underserved communities.

Job Responsibilities:

• Responsible for assessing and evaluating partner organizations and monitoring performance of existing partners.
• Contribute to development of underwriting standards for selection of partners.
• Conduct due diligence & prepare clear and crisp credit notes / documents, working together with senior colleagues.
• Present risk opinion to credit committee and assist with on-boarding of partner organizations.
• On-going monitoring of Kaleidofin partner organizations.
• The candidate will be suitably well versed with the appropriate information security responsibilities for the role and is responsible for adhering to them.

Requirements:

• Ability to write clear and coherent reports in English.
• Financial analysis skills and quick to understand numbers and trends.
• Good skills in Microsoft Excel
• Teamwork and collaborative approach
• Fluent in English, Hindi, and any other Indian / Foreign language(s).