Senior Credit Analyst

Job Title: Senior Credit Analyst – SME Lending (LAP & Working Capital) Location: Mumbai Experience: 8–12 years Industry: NBFC / Banking / Financial Services Role Overview We are seeking an experienced and detail-oriented Senior Credit Analyst to evaluate and underwrite credit proposals in the SME segment, with a strong focus on Loan Against Property (LAP) and Working Capital financing . The role involves end-to-end credit appraisal, risk assessment, and portfolio monitoring to ensure asset quality and compliance with internal policies and regulatory frameworks. Key Responsibilities 1.

Credit Appraisal & Underwriting Conduct detailed credit analysis of SME borrowers, including financial statement analysis, cash flow assessment, and banking behavior. Evaluate proposals for LAP, working capital facilities, term loans , etc. Assess borrower repayment capacity using ratio analysis, sensitivity analysis, and projections.

Perform property valuation analysis and collateral risk assessment for LAP cases. 2. Risk Assessment & Due Diligence Identify key risks (financial, operational, industry, and promoter-related) and recommend mitigants. Conduct industry and sectoral analysis to support credit decisions.

Evaluate credit bureau reports, legal and technical reports, and background checks. Ensure adherence to internal credit policy, risk frameworks, and RBI/NBFC guidelines. 3. Credit Recommendation & Approval Process Prepare detailed credit appraisal notes (CAM) with clear risk-reward assessment.

Present cases to credit committees and senior management for approvals. Structure deals, including pricing, covenants, collateral coverage, and exposure limits. 4. Portfolio Monitoring & Review Monitor portfolio performance, early warning signals, and stress indicators.

Conduct periodic reviews of existing exposures and recommend corrective actions. Assist in managing delinquent accounts and restructuring proposals where required. 5. Stakeholder Coordination Work closely with business, legal, technical, and operations teams for smooth deal execution.

Support collections and recovery teams with credit insights in stressed cases. 6. Process & Policy Enhancement Contribute to strengthening credit policies, underwriting standards, and risk models. Drive process improvements for faster and efficient credit decisioning.

Key Skills & Competencies Strong understanding of SME lending, LAP, and working capital products Expertise in financial analysis, ratio analysis, and cash flow assessment Knowledge of credit risk frameworks, RBI regulations for NBFCs Ability to assess collateral and property valuation reports Strong analytical, decision-making, and presentation skills Proficiency in MS Excel and financial modelling Educational Qualifications CA / MBA (Finance) / CFA or equivalent preferred Experience Requirements 8–12 years of relevant experience in credit appraisal for SME lending Prior experience in NBFCs / Banks / Financial Institutions Hands-on exposure to LAP and working capital underwriting is mandatory Key Performance Indicators (KPIs) Quality of credit underwriting (portfolio delinquency levels) Turnaround time (TAT) for credit decisions Compliance with policies and audit observations Portfolio health and early risk detection Preferred Attributes High ownership and accountability Strong risk mindset with business understanding Ability to work in a fast-paced, growth-oriented NBFC environment