Lead - Credit Analyst - Structured Finance

SkillLabs; Gurugram District; On-site; INR 4,500,000 - 7,500,000; Full time

Job summary

SkillLabs in India seeks a seasoned credit underwriting and portfolio management professional to lead end-to-end structuring for high-yield and structured finance exposures across startups, real estate, promoter funding, and special situations. You will design risk-adjusted solutions for promoter groups, PE/VC-backed companies, SMEs, and family offices.

You will collaborate with legal, treasury, and risk teams, monitor portfolios for early warnings, and prepare analytical reviews and sector

Qualifications

• Proven experience in corporate, structured, or venture lending across multiple sectors.
• Strong grasp of financial modeling, risk assessment, and covenant structuring.
• Exposure to promoter funding, PE/VC-backed lending, acquisition finance, and special situation credit.

Responsibilities

• Underwrite, structure, and recommend credit proposals for complex and high-yield transactions, balancing risk and return objectives.
• Manage underwriting for diversified asset classes — term loans, NCDs, lease rental discounting, promoter funding, and HoldCo lending.
• Design tailored deal structures with appropriate security cover, covenants, and repayment mechanisms suited to borrower type and sector risk.
• Collaborate with legal, technical, treasury, and risk teams during deal structuring, documentation, and closure.
• Conduct ongoing portfolio monitoring to identify early warning signals, track performance trends, and recommend corrective measures.
• Work closely with management to prepare analytical reports, portfolio reviews, and sector insights for decision-making.

Skills

Credit underwriting

Portfolio management

Financial modeling

Covenant structuring

Risk assessment

Excel/PowerPoint

Tools

SQL

Python

SAS

Job description

Role Overview

The incumbent will be responsible for end-to-end credit underwriting and portfolio management for a high-yield credit portfolio spread across diversified sectors including start-up and venture debt, real estate, structured promoter financing, and special situation lending. The role requires strong analytical capability, structuring acumen, and the ability to design customized risk-adjusted solutions across borrower types such as promoter groups, PE/VC-backed companies, SMEs, and Family Offices.

Job Decription

• Underwrite, structure, and recommend credit proposals for complex and high-yield transactions, balancing risk and return objectives.
• Manage underwriting for diversified asset classes — term loans, NCDs, lease rental discounting, promoter funding, and HoldCo lending.
• Design tailored deal structures with appropriate security cover, covenants, and repayment mechanisms suited to borrower type and sector risk.
• Collaborate with legal, technical, treasury, and risk teams during deal structuring, documentation, and closure.
• Conduct ongoing portfolio monitoring to identify early warning signals, track performance trends, and recommend corrective measures.
• Work closely with management to prepare analytical reports, portfolio reviews, and sector insights for decision-making.

Key Skills & Experience

• Proven experience in corporate, structured, or venture lending across multiple sectors.
• Strong grasp of financial modeling, risk assessment, and covenant structuring.
• Exposure to promoter funding, PE/VC-backed lending, acquisition finance, and special situation credit.
• Ability to interpret portfolio data, spot sectoral trends, and proactively manage risk.
• Cross-functional coordination skills with understanding of legal, technical, and treasury aspects in credit.
• Proficiency in Excel and PowerPoint; exposure to analytical tools (SQL/Python/SAS) preferred.

Profile Snapshot

A well-rounded credit professional who combines analytical rigor with practical structuring ability — capable of underwriting complex deals, managing diversified portfolios, and ensuring disciplined risk management across high-yield and structured finance exposures.