Analyst - Credit Analyst

Role Summary: We are looking for a detail-oriented and analytical Analyst / Sr. Analyst – Credit Analyst to support underwriting operations for commercial lending and merchant acquiring portfolios. The role involves analyzing financial statements, bank statements, tax returns, and other financial documents to assess the creditworthiness of businesses and support underwriting decisions.

The ideal candidate should possess strong financial analysis skills, attention to detail, and the ability to work in a fast-paced, process-driven environment while maintaining high quality and productivity standards. Key Responsibilities: Analyze financial statements, including Balance Sheets, Income Statements, Cash Flow Statements, and Bank Statements of business entities. Extract and accurately capture financial data into internal spreading templates and underwriting systems Perform financial spreading while ensuring completeness, consistency, and accuracy of financial information.

Review tax returns and supporting financial documents to evaluate business performance and repayment capacity. Complete assigned cases within defined Turnaround Time (TAT) and quality benchmarks. Conduct ratio analysis, trend analysis, cash flow analysis, and profitability assessment.

Identify financial risks, inconsistencies, missing information, and unusual transactions, escalating observations whenever required. Support credit underwriting by providing financial insights and recommending risk observations. Research companies using public sources to gather relevant business information for underwriting decisions.

Process assigned applications within defined turnaround times while maintaining productivity and quality targets. Ensure adherence to underwriting guidelines, SOPs, risk policies, and client requirements. Prepare and maintain trackers, reports, MIS, and documentation.

Required Skills & Qualifications Bachelor's degree in Commerce, Finance, Accounting, Economics, Business Administration, Statistics, or a related discipline. MBA, M.Com, Master's in Finance, or equivalent postgraduate qualification will be preferred. Strong understanding of Financial Statements and Accounting Principles.

Knowledge of Credit Underwriting and Financial Risk Assessment. Experience in Financial Statement Spreading and Bank Statement Analysis. Ability to interpret audited, unaudited, consolidated, standalone financial statements, and tax returns.

Excellent attention to detail with high accuracy. Good working knowledge of Microsoft Excel, Word, and PowerPoint. Strong written and verbal communication skills.

Ability to prioritize work and meet strict turnaround timelines. Ability to work independently as well as within a collaborative team environment Preferred Attributes 1–3 years of experience in Credit Underwriting, Financial Statement Analysis, Financial Spreading, Commercial Lending, Banking, Risk Operations, or FinTech. Experience with commercial lending or SME underwriting is preferred.

Exposure to financial spreading tools such as MS-excel or similar platforms is an added advantage. Familiarity with US financial statements and underwriting processes is preferred.