Senior Credit Analyst - Underwriting - NBFC

Role Details:

We are seeking a highly skilled and detail-oriented Senior Credit Analyst to join our credit risk team in Mumbai. The role involves comprehensive analysis, underwriting, and approval of credit proposals for Non-Banking Financial Companies (NBFCs). The candidate will play a key role in evaluating financial health, assessing risk, and ensuring high-quality credit decisions aligned with the banks risk appetite.

Overall Job Description:

- Conduct in-depth financial analysis of NBFCs, including balance sheets, income statements, cash flows, and key ratios.

- Evaluate credit proposals and prepare detailed credit appraisal notes.

- Perform industry and peer analysis to assess sectoral risks and opportunities.

- Underwrite loan proposals in line with internal credit policies and regulatory guidelines.

- Assess business models, management quality, governance practices, and risk frameworks of NBFCs.

- Identify key risks and recommend appropriate risk mitigation strategies.

- Present credit proposals to internal credit committees for approval.

- Monitor existing exposures and track performance of NBFC clients.

- Ensure compliance with regulatory requirements and internal risk frameworks.

- Coordinate with relationship managers, legal, compliance, and risk teams.