Senior Credit Analyst

Incred; Mumbai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Incred is seeking a credit underwriting professional to evaluate borrowers, analyze financials, and assess lending risks. You will draft appraisal notes, set terms, and ensure compliance with policies while monitoring portfolio risk.

The role requires CFA Level I/II and 3+ years of experience, with strong communication and collaboration across Product, Collections, Sales, and Operations teams.

Qualifications

• 3+ years of core experience in credit underwriting and financial statement analysis.
• CFA Level I or II cleared with strong analytical capabilities.
• Excellent verbal and written communication across teams.

Responsibilities

• Perform comprehensive credit analyses to evaluate the creditworthiness of potential borrowers.
• Evaluate financial statements, credit bureau reports, and supporting documents to determine lending risk exposure.
• Review financial statements, key ratios, and trends to identify anomalies, red flags, and potential risks.
• Draft detailed credit appraisal notes and recommend suitable credit limits, pricing, and loan terms.
• Collaborate with internal teams to review loan applications and adhere to lending policies and regulatory standards.
• Continuously track the credit portfolio to identify emerging risk drivers and early warning signals.
• Recommend strategies to optimize credit risk assessment methodologies and governance.
• Stay current on market trends, macroeconomic conditions, and regulatory shifts impacting credit risk.
• Maintain open communication with borrowers for ongoing support throughout the loan lifecycle.
• Ensure target portfolio IRRs are met using risk-based pricing models.
• Monitor delinquency trends and default patterns using predictive metrics.
• Partner with cross-functional teams to automate credit workflows by developing scorecards and eligibility calculators.

Skills

Credit underwriting

Financial statement analysis

Analytical capabilities

Verbal & written communication

Education

CFA Level I/II cleared

Job description

Role & responsibilities

• Perform comprehensive credit analyses to evaluate the creditworthiness of potential borrowers.


• Evaluate financial statements, credit bureau reports, and supporting documents to determine lending risk exposure.


• Review financial statements, key ratios, and trends to identify anomalies, red flags, and potential risks.


• Draft detailed credit appraisal notes and recommend suitable credit limits, pricing, and loan terms.


• Collaborate with internal teams to review loan applications and maintain strict adherence to lending policies and regulatory standards.


• Continuously track the credit portfolio to identify emerging risk drivers, early warning signals, and growth opportunities.


• Recommend actionable strategies to optimize credit risk assessment methodologies and risk governance.


• Stay current on market trends, macroeconomic conditions, and regulatory shifts impacting credit risk.


• Maintain open communication with borrowers, offering ongoing support and guidance throughout the loan lifecycle.


• Ensure target portfolio IRRs are met and maintained using risk-based pricing models.


• Monitor portfolio delinquency trends and default patterns using predictive models and quantitative risk metrics.


• Partner with cross-functional teams (Product, Collections, Sales, Operations) to automate credit workflows by developing decision logics for scorecards and loan eligibility calculators.

Preferred candidate profile

• 3+ years of core experience in credit underwriting and financial statement analysis within a Bank, NBFC, Fintech, or Big 4 firm Consulting firms.


• Cleared CFA Level 1 or Level 2, with strong analytical capabilities and financial acumen.


• Excellent verbal and written communication skills to articulate credit assessments and collaborate effectively across teams.