Credit Specialist

1 day ago

Mumbai, Maharashtra, India beBeeCredit Full time ₹ 1,20,00,000 - ₹ 1,60,00,000

About this role

Credit specialists play a pivotal part in evaluating creditworthiness, managing risk, and enabling high-quality loan underwriting. They work closely with origination, portfolio, and risk teams to structure and monitor credit facilities for mid-market borrowers across sectors.

Key responsibilities include:

  • Conducting end-to-end credit assessments for new and existing clients, including sector outlook, business model evaluation, financial and credit analysis, and peer benchmarking.
  • Preparing detailed credit appraisal notes with clear risk identification, mitigation strategies, and recommendations for internal credit committees.
  • Maintaining regular engagement with clients' senior management (CXOs/CFOs) to understand business performance, strategy, and financial outlook.
  • Tracking portfolio companies through a combination of desk reviews and field visits; identifying early warning signs and working closely with the relationship team on corrective actions.
  • Supporting credit renewal and annual review processes by collaborating with internal stakeholders across business, legal, and compliance.
  • Forming independent views on credit exposures and providing structured recommendations on lending decisions and portfolio actions.
  • Contributing to cross-functional initiatives, including process improvements, tech adoption, portfolio analytics, and regulatory reporting.
Requirements

We are looking for:

  • CA / MBA (Finance) with 1–5+ years of relevant experience in credit underwriting or credit risk in the mid-corporate / SME / structured lending segment.
  • Prior experience in banks, NBFCs, debt funds, rating agencies, or transaction advisory/due diligence roles preferred.
  • Strong analytical skills with an ability to interpret financial statements, assess financial health, and model business scenarios.
  • Exceptional written and verbal communication skills, with the ability to articulate complex credit matters clearly and concisely.
  • Highly detail-oriented, with a strong sense of accountability and the ability to work under tight timelines.
  • Proficient in Microsoft Excel (financial modeling), PowerPoint, and Word.
  • Willingness to travel extensively across India for client meetings and on-ground due diligence.

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