About the role
We are seeking a highly skilled and detail-oriented Senior Credit Analyst to join our credit risk team in Mumbai. The role involves comprehensive analysis, underwriting, and approval of credit proposals for Non-Banking Financial Companies (NBFCs). The candidate will play a key role in evaluating financial health, assessing risk, and ensuring high-quality credit decisions aligned with the bank's risk appetite.
Please send your updated resume to gaurav@dimensionshrd.com.
What you'll do
- Conduct in-depth financial analysis of NBFCs, including balance sheets, income statements, cash flows, and key ratios.
- Evaluate credit proposals and prepare detailed credit appraisal notes.
- Perform industry and peer analysis to assess sectoral risks and opportunities.
- Underwrite loan proposals in line with internal credit policies and regulatory guidelines.
- Assess business models, management quality, governance practices, and risk frameworks of NBFCs.
- Identify key risks and recommend appropriate risk mitigation strategies.
- Present credit proposals to internal credit committees for approval.
- Monitor existing exposures and track performance of NBFC clients.
- Ensure compliance with regulatory requirements and internal risk frameworks.
- Coordinate with relationship managers, legal, compliance, and risk teams.
What we're looking for
- 12–20 years of experience in credit analysis, underwriting, or risk management within NBFC / banking / financial services.
- Strong financial statement analysis and credit appraisal skills.
- Deep understanding of RBI regulations, internal credit policies, and risk frameworks.
- Excellent communication and presentation skills for credit committee discussions.
- Ability to assess management quality, governance, and business model risks.
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