credit Analyst

Job Description

Job Description – Venus FinTech

Job Description – Corporate Credit Analyst

Position: Corporate Credit Analyst
Department: Risk Management / Corporate Credit Risk
Location: Hyderabad
Employment Type: Full-Time
Experience: 3–7 Years
Languages: Telugu Mandatory
Salary: Upto 50,000 per Month

About the Company

Venus FinTech is a growing FinTech company providing technology-driven financial solutions to businesses and corporates. The company offers a range of corporate lending and financial products designed to support business growth, working capital requirements, expansion, and other financial needs.

Job Responsibilities

Corporate Financial Analysis:
Analyse corporate balance sheets, profit & loss statements, cash flow statements, financial ratios, annual reports, and projected financial statements to assess the financial strength and repayment capacity of borrowers.

Corporate Credit Assessment:
Evaluate credit proposals for various corporate lending products, including working capital facilities, term loans, business loans, project finance, secured lending, and other corporate credit facilities.

Credit Risk Evaluation:
Assess the borrower’s credit history, financial performance, debt obligations, repayment capacity, business model, management quality, industry outlook, and overall creditworthiness.

Working Capital Assessment:
Analyse working capital requirements, operating cycles, inventory, receivables, payables, banking transactions, and fund utilisation to determine appropriate credit limits.

Cash Flow & Debt Servicing Analysis:
Evaluate projected cash flows, DSCR, interest coverage, leverage, repayment schedules, and other financial indicators to determine the borrower’s ability to service debt.

Collateral & Security Evaluation:
Review the quality and adequacy of collateral, securities, guarantees, and other risk-mitigation measures associated with the proposed credit facility.

Credit Appraisal & Recommendations:
Prepare detailed credit appraisal notes, credit assessment reports, and summary memos with clear recommendations for approval committees and senior management.

Financial Modelling:
Prepare and review financial models, projections, sensitivity analysis, and stress scenarios to assess the potential impact of changes in revenue, margins, interest rates, working capital, and other business conditions.

Industry & Business Analysis:
Evaluate the borrower’s industry, market position, competitive environment, business risks, customer concentration, supplier dependency, and other external factors that may affect repayment capacity.

Portfolio Monitoring:
Monitor existing corporate loan accounts, repayment behaviour, financial performance, covenant compliance, credit exposure, asset quality, and early warning signals.

Risk Identification & Mitigation:
Identify potential credit risks and recommend appropriate risk-mitigation measures, including suitable security, covenants, guarantees, limits, repayment structures, and monitoring requirements.

Regulatory & Policy Compliance:
Ensure credit assessments and lending decisions are aligned with the company’s internal credit policies, risk framework, lending guidelines, and applicable statutory and regulatory requirements.

Coordination:
Coordinate with Sales, Relationship Managers, Operations, Legal, Compliance, Collections, and other relevant teams to ensure efficient processing and monitoring of corporate credit facilities.

Skills Required

– Strong knowledge of corporate credit analysis and lending processes.
– Strong financial statement analysis and interpretation skills.
– Good understanding of corporate loans, working capital facilities, term loans, and other business lending products.
– Ability to analyse cash flows and assess debt-servicing capacity.
– Strong knowledge of financial ratios, including DSCR, Debt/Equity, Interest Coverage Ratio, Current Ratio, and other credit metrics.
– Good understanding of collateral, securities, guarantees, and credit risk mitigation.
– Strong MS Excel and financial modelling skills.
– Excellent analytical and problem-solving skills.
– Strong attention to detail and ability to identify financial and business risks.
– Good communication and report-writing skills.
– Ability to work independently and meet deadlines.
– Strong decision-making and risk-assessment skills.

Key Performance Areas (KPIs)

– Accuracy and quality of corporate credit assessments.
– Timely completion of credit appraisal and recommendations.
– Quality of financial analysis and risk identification.
– Accuracy of financial models and credit reports.
– Effective identification and mitigation of credit risks.
– Portfolio quality and monitoring of existing corporate accounts.
– Compliance with internal credit policies and regulatory requirements.
– Timely identification of early warning signals.
– Accuracy and completeness of credit documentation.
– Turnaround time for credit assessment and decision-making.

Interested Candidates

Interested candidates can share their updated CV with the HR team.