Sr Credit Analyst: CA

2 weeks ago


Bengaluru, Karnataka, India Oxyzo Financial Services Full time ₹ 15,00,000 - ₹ 20,00,000 per year

Company Description

Oxyzo Financial Services specializes in providing customized credit solutions for small and medium enterprises (SMEs) to help them expand operations, increase revenue, and improve profit margins. We offer low-interest rates, collateral-free credit options, and efficient loan processing timelines. Serving thousands of SMEs across India, Oxyzo disburses over 4000 crores annually and manages assets worth more than 9,200+ crores. Our unique offerings include interest payments based on usage, minimal documentation requirements, and substantial material savings on purchases.

Key Responsibilities:

  • Credit Assessment:
    Underwrite and appraise credit proposals based on company policies, ensuring timely processing.
  • Financial Analysis:
    Analyze financial statements, cash flows, and ratios for assessing funding requirements.
  • Risk Evaluation:
    Conduct quantitative and qualitative analysis, including creditworthiness, banking, statutory, and legal checks.
  • Customer Interaction:
    Meet customers personally, conduct internal/external reference checks, and verify business operations on-site.
  • Decision Making:
    Make informed decisions (approve/reject) based on comprehensive analysis and risk evaluation.
  • Collaboration:
    Work closely with sales, cross-sell teams, and operations to support business growth and ensure smooth loan disbursement.
  • Policy Recommendations:
    Suggest improvements or changes in underwriting policies based on portfolio analysis and market trends.

Qualifications

  • Strong credit management, finance, and analytical skills
  • Excellent communication and customer-handling abilities
  • Relevant experience in credit/finance industry preferred
  • CA or similar professional qualification (CFA, CMA, MBA-Finance) is highly preferred

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