Senior Credit Analyst

Zippmat; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Zippmat in Bengaluru, Karnataka, is seeking a Senior Credit Analyst with a strong NBFC background to lead corporate credit underwriting. You will evaluate company-level credit proposals, conduct financial analysis, and design risk scoring models to support lending decisions.

The role requires 2–3 years of underwriting experience, familiarity with supply chain finance, and collaboration with tech and operations teams to strengthen credit processes and policy compliance.

Qualifications

• 2–3 years of relevant experience in credit underwriting.
• NBFC experience is mandatory.
• Experience in corporate/company-level credit underwriting.

Responsibilities

• Design credit underwriting for supply chain finance and support digital journey in SCM financing.
• Research financial history to determine creditworthiness of businesses and related parties.
• Review financial statements (Balance Sheet, P&L, Cashflow), filings, bank statements, KYC to develop customer profiles and credit recommendations.
• Build scorecard-based risk models and cashflow-driven strategies in fintech contexts.
• Ensure policy compliance and underwriting standards while monitoring portfolio quality and credit limits.
• Collaborate with technology and business teams to strengthen risk capabilities and processes.
• Coordinate with banks/NBFCs to explore suitable facility structures.
• Oversee end-to-end credit operations and track exceptions/deferrals at sanction and transaction levels.
• Conduct secondary research on economy, industry trends, and regulatory requirements.

Skills

Credit underwriting

Corporate credit

Financial analysis

Risk evaluation

NBFC experience

Job description

ABOUT THE Job:

We are looking for a Senior Credit Analyst with 23 years of experience, a strong NBFC background, and expertise in corporate/company-level credit underwriting.

Key Requirements:

• 2–3 years of relevant experience in credit underwriting.
• Strong experience in credit underwriting for companies/businesses, rather than individual or retail underwriting.
• Prior experience working with an NBFC is mandatory.
• Good understanding of corporate credit assessment, financial analysis, risk evaluation, and underwriting.
• Hands-on experience in evaluating company-level credit proposals and making sound credit decisions.
• Candidates who are actively looking for a change are encouraged to apply.

NBFC experience and corporate/company-level credit underwriting experience are mandatory for this role.

Job Description

• Designing and formulating credit underwriting for supply chain finance and strategize & partner in technology implementation to enable digital journey in supply chain financing process.
• Responsible for conducting detailed research on the financial history of businesses and their related parties/ individuals to determine their creditworthiness.
• Reviewing and verifying financial statements (like Balance Sheet, P&L, Cashflow), GSTR 3B filings, Bank Statements, credit rating report, KYC and other financial documents to develop a customer’s/prospect profile and arrive at a credit recommendation.
• Building scorecard-based credit risk decision models and strategies driven by cashflow based approach in the fintech domain.
• Ensure policy compliance and underwriting standards, thereby maintaining standard portfolio quality through monitoring account conduct, credit limit, contribution margins, credit rating movement.
• Working closely with technology and business team leaders to build out new credit acquisition and risk management capabilities and refine the existing ones.
• Co-ordinating with external financial partners banks/ NBFCs to explore best suited facility structure basis pros and cons.
• End to end review of credit operations process and keeping a close track of exceptions/ deferrals at sanction and transaction levels.
• Undertake secondary research to be abreast with economy & industry trends, regulatory requirements and key management personnel background check
• Opportunity to have a direct interface with corporate customers and come up with the learning curve via engagement with modules: Banking instruments like BG, LC, LCBD, Invoice Discounting, Supply chain finance, financial reporting, AR management etc.