Credit Analyst

Job Title: Credit Analyst – Management Trainee

Department: Funding

Location: Bhubaneswar

Agreement: 2 Years

About the Role

We are seeking a Credit Analyst – Management Trainee to join our Funding Department. The role involves analyzing financials of prospective partners, lenders, and investment opportunities to support internal funding activities and decision-making.

Key Responsibilities

• Conduct credit analysis for funding opportunities by reviewing financial statements, projections, and business models.
• Prepare detailed credit appraisal reports to support funding decisions.
• Assist in structuring and evaluating funding proposals.
• Perform due diligence on funding opportunities and validate financial data.
• Monitor funded portfolios, including repayment schedules, compliance checks, and early warning signals.
• Maintain MIS reports and documentation for all funding transactions.
• Prepare presentations and reports for management review.
• Keep updated with funding regulations, credit policies, and financial trends.

Qualifications

• MBA in Finance (mandatory).
• CA Inter or CMA Inter candidates preferred.
• Strong understanding of credit risk assessment, funding structures, and financial modeling.
• Proficiency in MS Excel and analytical tools.
• Good communication, reporting, and problem-solving skills.

Contractual Terms

• The candidate must sign a 2-year service agreement.
• If the candidate resigns before completion of the agreement, they will be liable to pay 4 months’ gross salary to the company as compensation.

What We Offer

• Direct exposure to credit analysis and funding activities.
• Opportunity to work closely with the funding leadership team.
• Structured career path with learning and growth opportunities in the finance domain.