Credit Analysis Jobs

Position: Senior Credit Analyst / Credit Risk AnalystExperience: 8+ YearsLocation: Bengaluru, KarnatakaEmployment Type: Full-timeJob DescriptionTalent Zone Consultants is seeking an experienced Senior Credit Analyst for a leading BFSI organization in Bengaluru. The candidate will be responsible for conducting comprehensive credit assessments, evaluating the financial strength and creditworthiness of corporate/financial-institution clients, preparing credit appraisal and risk reports, monitoring portfolios, and providing well-reasoned credit recommendations.Key ResponsibilitiesConduct detailed credit assessment of corporate clients, financial institutions, NBFCs or other assigned portfolios.Analyse balance sheets, profit & loss statements, cash flows, capital structures and financial ratios.Prepare Credit Appraisal Memorandums (CAMs), credit notes, risk assessment reports and credit recommendations.Evaluate business models, industry risks, management quality, repayment capacity and overall creditworthiness.Perform financial modelling, cash-flow forecasting, sensitivity analysis and stress testing.Assess leverage, DSCR, EBITDA, working capital, liquidity and other key credit metrics.Conduct industry research, peer benchmarking and economic analysis to identify emerging credit risks.Recommend appropriate credit limits, lending structures, covenants and risk mitigants.Monitor existing portfolios, covenant compliance, financial performance and early-warning indicators.Review waivers, amendments, renewals and restructuring proposals where required.Ensure credit decisions comply with internal credit policies, risk appetite and applicable regulatory requirements.Work closely with Relationship Managers, Credit Risk, Legal, Operations and senior management.Present credit recommendations and risk findings to senior stakeholders/credit committees.Mentor junior credit analysts and review the quality of their credit deliverables.Identify opportunities for process improvement, automation and enhanced credit-risk reporting.Candidate Profile8+ years of relevant experience in credit analysis, credit underwriting, corporate banking, NBFC, financial institutions, structured lending or credit risk.Bachelor's/Master's degree in Finance, Commerce, Accounting, Economics or Business Administration.CA / MBA Finance / CFA / FRM preferred.Strong experience in corporate/non-retail credit analysis and underwriting.Excellent understanding of financial statements, accounting principles and credit-risk methodologies.Proven experience preparing credit appraisal notes and making independent credit recommendations.Strong stakeholder-management and team-mentoring capabilities.Ability to independently handle complex credit cases and work under strict timelines.

We are looking for a motivated Chartered Accountant to join our team in Fafadih. The ideal candidate will have 1 to 2 years of experience and will play a crucial role in managing our financial activities.Key Responsibilities:- Financial Reporting: Prepare and present accurate financial statements to help management make informed decisions. This includes balance sheets, income statements, and cash flow statements.- Tax Compliance: Ensure that all tax returns are filed accurately and on time. You will be responsible for staying updated with the latest tax laws and regulations.- Audit Coordination: Work with internal and external auditors during audit processes. Your role will involve providing necessary reports and supporting documentation to ensure a smooth audit.- Budget Management: Assist in preparing and monitoring budgets to ensure that financial goals are met. This requires analyzing variances and reporting any discrepancies.- Account Reconciliation: Conduct regular reconciliations of accounts to ensure accuracy and integrity of financial data. This involves verifying transactions and resolving discrepancies.Required Skills and Expectations:Candidates should hold a B.B.A, B.Com, or be a qualified Chartered Accountant. You should have strong analytical skills to interpret financial data effectively. Good knowledge of accounting software is essential for maintaining accurate records. Strong attention to detail is critical to ensure precision in financial reporting. Excellent communication skills are required to collaborate with team members and present financial information clearly. You should be self-motivated and capable of working independently in an office environment.

We are seeking a motivated KYC Field Executive to join our team in Chennai. This position is ideal for fresh graduates who want to start their career in finance and compliance. The KYC Field Executive will be responsible for verifying customer identities and ensuring compliance with regulatory requirements.Key Responsibilities:- Conduct Field Visits: Responsible for visiting clients in the designated area to collect necessary KYC documents and information, ensuring data accuracy and completeness.- Verify Customer Information: Gather and validate customer information through direct interactions, ensuring that all details comply with company and regulatory standards.- Maintain Records: Keep detailed and organized records of all customer interactions and documents collected during field visits to ensure traceability and compliance.- Report Findings: Prepare and submit reports on customer profiles and KYC documentation to the compliance team for further review, assisting in the overall assessment process.- Provide Customer Support: Answer any questions customers may have regarding the KYC process and assist them in understanding required documentation.Required Skills and Expectations:The ideal candidate should possess excellent communication and interpersonal skills to engage effectively with clients. Attention to detail is crucial, as accurate data collection is essential for compliance. Candidates should be well-organized and capable of managing time efficiently to meet field visit schedules. A basic understanding of KYC regulations and financial compliance is beneficial but not mandatory. A willingness to learn and adapt to new processes will also be important for success in this role.

We are looking for a hardworking and motivated Banking Officer to join our team in Bokaro. This is an entry-level position suitable for candidates with a 12th-grade education.Key Responsibilities:- Customer Service: Provide excellent support to clients by addressing inquiries and helping with account-related issues.- Account Management: Assist clients in opening new accounts and managing existing ones, ensuring all necessary documentation is completed accurately.- Transaction Processing: Handle daily transactions, including deposits, withdrawals, and transfers, while maintaining accuracy and efficiency.- Compliance Adherence: Ensure all banking procedures and regulations are followed to maintain the integrity of the bank and protect client information.- Sales Support: Promote banking products and services to customers, helping them find solutions that meet their financial needs.- Data Entry: Input customer and transaction data into the banking system, ensuring all information is current and accessible.Required Skills and Expectations:Candidates should possess strong communication and interpersonal skills to interact effectively with customers and team members. Attention to detail is crucial, as accuracy in documentation and transactions is mandatory. A basic understanding of banking operations and services is preferred. Familiarity with computer systems and software will be beneficial for data entry and transaction processing tasks. The ideal candidate should be proactive, able to work in a team, and willing to learn and grow within the banking sector. Flexibility and a positive attitude towards challenges will be highly regarded.

GEBBS HEALTHCARE Hiring for AR Roles (US Healthcare Medical Billing) Lets break down the opportunity clearly: Process DetailsProcess: Medical Billing (US Healthcare)Process Type: B2B Non-Voice Backend(No customer calling pure back-office role) Open PositionsAR (Accounts Receivable) US Healthcare Eligibility & Salary StructureAR Trainee / FreshersEligibility: Any Graduate / HSC PassedSalary: 13,000 + 5,000 IncentivesAR AssociateEligibility: Minimum 6 months experience (any field)Salary: 18,000 + 5,000 IncentivesSenior AR Associate (Females Only)Eligibility: 12 years experience (BPO / AR / International Process)Salary: Up to 25,000 (including incentives)Domain Specialist AREligibility: 9+ months mandatory AR experienceSalary: 33,000 + 5,000 Incentives Training: 3 Months (Paid Salary from Day 1) Shift DetailsShift Type: US Shift (Night Shift)Shift Window: 5:30 PM 8:30 AM(Any 9-hour shift within this window)Working Days: 5 DaysWeek Offs: Saturday & Sunday (Fixed) Job LocationsAiroliAndheriSakinakaTurbhe Key HighlightsSalary credited from Day 1 of trainingStable US Healthcare processCareer growth in Medical Billing & ARFixed weekend offsNon-voice, backend role

About UsWe are a fast-growing financial services firm committed to helping individuals and businesses secure the best loan solutions. Our team thrives on precision, integrity, and client satisfaction. We're now looking for a detail-oriented and proactive Loan Writer to join our dynamic team.Key Responsibilities Data entry into various CRMs (Infynity, MyCRM, Mercury, FLEX, Salestrekker) and Apply Online (AOL) Preparing application documents, including First Home Buyer scheme forms, grants, and discharge forms Document management: collecting, renaming, organising, and follow-up Conducting valuations, pricing requests, credit checks, and living expense analysis Handling loan applications from start to finish CRM to AOL submission, pricing, valuation, and servicing Identifying suitable lenders for specific scenarios Running scenarios with BDMs Researching and interpreting lender policies Liaising with customers, solicitors, lenders, and other relevant stakeholdersNice to Have: Certificate IV in Finance and Mortgage Broking Experience working with Australian or international loan processes Familiarity with insurance coordination and financial planningIf you're passionate about helping people achieve their financial goals and have a knack for detail, wed love to hear from you. Apply now and be part of a team that values excellence and innovation.;

We are looking for a Loan Sales Executive to join our team at Credmart Services Private Limited. the position offers a salary of 15000 - 25000.Key Responsibilities: Urgent Hiring ARO (Assistant Relationship Officer Telecaller)Minimum 0- 6 months of experience required (Personal Loan / Overdraft preferred)Good communication & convincing skillsRequires candidates who are skilled in building customer relationships, following up on leads, and maximizing sales opportunities. Identify prospects and develop sales strategies to drive business growth. Immediate joiners preferred Attractive salary package Location: [Sec-4,Noida]If interested, kindly share your resume at [rahul.gupta@cred-mart.com/9990537269].

We are looking for a skilled and proactive Credit Analyst with broking experience and sound knowledge of the Australian banking system. In this role, you will act on behalf of clients to communicate with banks, handle refinancing, negotiate interest rate re-pricing, and manage the submission of all relevant documentation.

We are seeking a dynamic and motivated Tele-Sales Executive to join our team in New Delhi/Mumbai. If you have a passion for sales, excellent communication skills, and a background in the financial sector (Age 25-32yrs).Timings- 9:30am to 6:30pm. Communication: Strong verbal communication skills are essential. Financial Knowledge: Prior experience in tele-sales within the financial industry, particularly loans and credit, is preferred. Specialized Knowledge: Familiarity with secured loans, unsecured loans, and CIBIL is crucial. BFSI Sales: Experience in the business loan is Mandatory.

About the RoleWe are seeking a motivated and detail-oriented Risk Manager with experience in NBFCs or banks. The role requires strong expertise in risk assessment, credit underwriting, and compliance monitoring to ensure a healthy loan portfolio.Key Focus AreasRisk Assessment: Identify and evaluate financial, operational, and strategic risks.Compliance Monitoring: Ensure adherence to RBI guidelines and internal risk policies.Reporting: Prepare risk dashboards and reports for management and compliance teams.Collaboration: Work with business and credit teams to align lending with risk strategies.Roles & ResponsibilitiesSanction secured loans, especially Loan Against Property (LAP) and other secured products.Evaluate borrower creditworthiness and make independent lending decisions.Analyze financial and banking statements for business loans (LAP, MSME finance, working capital, bill discounting).Develop and enforce credit risk mitigation policies on loan terms, collateral, and interest rates.Collaborate with collections teams to minimize NPAs and manage recoveries.Present risk insights and reports to senior management.Streamline loan approval processes in alignment with risk strategy.Skills & Experience RequiredEducation: Bachelors/Masters in Finance, Economics, or Business (MBA/CFA/FRM preferred).Technical: Hands-on experience with LOS, LMS, credit risk models, and data analytics tools.Regulatory: Strong knowledge of RBI guidelines and lending regulations.Soft Skills: Excellent communication, attention to detail, analytical mindset, ability to work under pressure.

Hiring for 10 Credit Relationship Manager Jobs in Satna, with minimum 3 Years Experience,Required Educational Qualification is : B.C.A, B.B.A, B.Com, M.C.A, M.B.A/PGDM, M.Com with Good knowledge in Communication, Problem Solving, Compliance, Risk Analysis, Time Management, Analytical Research etc.

SARVP Finance is Hiring a Branch Credit OfficerAre you ready to take the next step in your finance career? SARVP Finance is looking for a dedicated Branch Credit Manager to join our dynamic team!Location : Ahmedabad, Vadodara(Gujarat), Prayag raj-Allahabad (Uttar Pradesh), Ghazipur(Uttar Pradesh)Position: Branch Credit OfficerProduct Focus: LAP, Business LoanKey Responsibilities:- Assessing creditworthiness of potential clients for LAP and Business Loan products- Managing credit applications and ensuring timely processing- Conducting field visits and investigations as part of the credit appraisal process- Monitoring and managing credit portfolio performance- Collaborating with sales and operations teams to streamline credit processesRequirements:- Minimum 1-2 years of Field PD (Personal Discussion) experience in the finance industry for LAP (Mandatory)- Strong understanding of LAP and Business Loan products- Excellent analytical and decision-making skills- Ability to thrive in a fast-paced, target-driven environment- Effective communication and interpersonal abilitiesSalary: Up to 3.50 LPA + Other BenefitsHow to Apply:- Contact: 9875087933- Email your CV: recruiter@sarvpfinance.inWhy SARVP Finance?- Opportunity to work with a leading financial institution- Dynamic and supportive work environment- Competitive salary and benefits package- Room for growth and career advancementIf you are passionate about finance and ready to make an impact, we want to hear from you! Join SARVP Finance as a Branch Credit Manager and be part of our success story.---Feel free to modify this description further to better suit your needs!

Job Description-Analyzes borrowers, companies, and securities to detect potential risk of default.Assesses requests for credit and determines if an individual or company is worthy of receiving financing.Evaluates clients backgrounds and assesses industry trends to predict potential outcomes.Determines the creditworthiness of applicants and performs cash flow analysis.Formulating reports about the degree of risk in lending money to clients and preparing reports with this credit information for use in decision-making.Requirements-Any degree holders can apply, including freshers.Should have two wheeler.We provide complete training to the freshersMust travel across Tamilnadu to visit potential borrowers.Must be active and Quick leaner.

Company Name: BharatPeJob Role - Manager - FP&ASalary - 20 -26 lakhsRequired Skills: Excellent verbal and written communication skills,Experience in Financial planning & Analysis (FP&A),Highly Proficient in MS Excel Skills,Prepares financial reports for internal use,Good Analytical & Decision-making skillsDescription - Grow fast and work with the top management on key business decisions .Responsibilities - Manager -Financial Planning & Analyst is required for preparation of financial plans and reports, monthly financial analysis and provide ad-hoc analysis for the Top-Management. Required to support team in planning and decision making by identifying, maintaining, and evaluating information. Position is required to focus on improving efficiency and effectiveness of the forward-looking processes and generate business insights.Key Responsibilities - Reporting and analysis of Business performance to the Management, Business Heads, Functional Heads and other key stakeholders.Analysis of products level profitability, segment level profitability, merchant life-cycle, credit cost etc. and discussions for corrective actions and controls on key business parameters.Communication with the stakeholders for business analytics, planning, forecasting, budgeting.Simulating and studying the impact of any key business results, decisions etcBudgeting & planning process of the organization and for various business verticals.Prepares financial reports for internal use at the company by collecting, analyzing, formatting and presenting information.Analyze the trend of Key Performance Indicators (KPIs) and helping leadership team in decision making.Performs ad hoc analysis as required.Qualifications - Chartered Accountant.Skills, experiences & behaviors1-3 Years of experience in Financial planning & Analysis (FP&A), business finance; preferably in startups or Fintech.Highly Proficient in MS Excel SkillsAn excellent communicator and have the ability to understand

1. Will be responsible for sourcing the business Branch & Open Market.2. Will be responsible to interact with the customers & explain about the product.3. Should be able to manage relationship with customers/branches/ Managers.4. Will be responsible for End-to-end documentation, with the customers.5. Execute activities/events from time to time augument business effort.6. Will be responsble for daily updation of leads/lead tracking/business tracking.7. Ensure the prescribed guidelines & laid down process is in execution of your responbility.

Key Responsibilities:Project TL and WC CMA Creation: Develop Term Loan (TL) and Working Capital (WC) Credit Monitoring Arrangements (CMA) data for loan syndication and financing.Financial Ratio Analysis: Conduct comprehensive financial ratio analysis to support decision-making in terms of loan evaluation and project feasibility.DPR Creation: Prepare Detailed Project Reports (DPR) for loan applications and syndication.TEV and LIE Report Preparation: Conduct thorough evaluations of project viability and submit Lenders Independent Engineer (LIE) and Techno-Economic Viability (TEV) reports to clients and financial institutions.Loan Syndication Support: Assist in managing relationships with banks, investors, and clients for financial due diligence and loan syndication.Cash Flow Forecasting: Prepare financial models including cash flow forecasting, balance sheet projections, and profit & loss analysis.Compliance & Advisory: Ensure all project financials adhere to current regulations and provide financial advisory support for critical decisions.Risk Assessment: Perform in-depth risk assessments and financial audits to mitigate potential risks associated with loan syndication and project financing.Client Interaction: Liaise with clients, stakeholders, and financial institutions to gather and verify relevant information for financial reporting and analysis.

Financial Analysis & Reporting: Strong understanding of financial statements, accounting principles, and performance indicators. Regulatory Knowledge: In-depth knowledge of RBI regulations, financial compliance, and NBFC-specific guidelines. Credit Risk Assessment: Ability to assess and evaluate credit risk and loan portfolio management. Analytical & Problem-Solving: Ability to analyze complex financial data and develop actionable strategies. Communication & Interpersonal Skills: Strong verbal and written communication skills for liaising with clients, stakeholders, and team members. Technical Proficiency: Familiarity with financial management software, accounting tools, and Microsoft Excel for data analysis.

Analyzes borrowers, companies, and securities to detect potential risk of defaultAssesses requests for credit and determines if an individual or company is worthy of receiving financingEvaluates clients' backgrounds and assesses industry trends to predict potential outcomesDetermines the creditworthiness of applicants and performs cash flow analysisFormulating reports about the degree of risk in lending money to clients and preparing reports with this credit information for use in decision-makingRequirements-Any degree holders can applyShould have two wheeler.We provide complete training to the freshersMust travel across Tamilnadu to visit potential borrowers.

Position: Senior Relationship Manager Experience: 7+ YearsLocation: Bengaluru, KarnatakaEmployment Type: Full-timeJob DescriptionTalent Zone Consultants is looking for an experienced Senior Relationship Manager for a leading BFSI organization in Bengaluru. The candidate will be responsible for managing and growing an existing client portfolio, acquiring new customers, increasing revenue and wallet share, and providing suitable banking/financial solutions.Key ResponsibilitiesManage and deepen relationships with existing corporate, business, HNI or affluent clients.Identify and acquire new-to-bank customers through market mapping, referrals and networking.Drive revenue, portfolio growth, customer acquisition and wallet-share targets.Understand client business/financial requirements and recommend appropriate banking and financial products.Cross-sell products such as loans, working-capital facilities, trade finance, cash management, insurance, investments and other banking solutions.Develop and execute client acquisition and relationship-growth strategies.Conduct regular client meetings, portfolio reviews and business discussions.Coordinate with Credit, Risk, Product, Operations and Compliance teams to ensure smooth delivery of solutions.Prepare business proposals and support credit appraisal/structuring wherever applicable.Monitor portfolio performance, customer satisfaction and potential business/risk issues.Maintain strong knowledge of market trends, competitor offerings and BFSI products.Ensure adherence to KYC, AML, RBI regulations, internal policies and responsible-sales practices.Maintain accurate customer records, pipeline reports and MIS.Meet and exceed individual and team business targets.Candidate Requirements7+ years of relevant experience in Relationship Management, Corporate Banking, Business Banking, Retail/Commercial Banking, Wealth Management, NBFC or Financial Services.Graduate degree required; MBA/CA preferred for corporate/business banking roles.Proven track record of client acquisition, portfolio growth and revenue generation.Strong understanding of banking products and financial solutions.Experience managing high-value/corporate client relationships preferred.Strong negotiation, presentation and stakeholder-management capabilities.Ability to independently manage targets, client portfolios and business development activities.