Credit Analyst/ Senior Credit Analyst

Role & responsibilities Prepare detailed Credit Appraisal Memorandums (CAMs) for corporate, SME, and project finance proposals. Conduct in-depth analysis of Borrower business models and industry dynamicsHistorical and projected financialsCash flows, DSCR, leverage, and working capital cycles Identify key credit risks and propose appropriate structuring and risk mitigants (security, covenants, DSRA, escrow, etc.). Support and present proposals to the Credit Committee. Assist in sanction documentation and post-sanction credit monitoring. Track covenants, early warning signals, and support renewals or restructurings. Preferred candidate profile 310 years of experience in NBFCs, Banks, Credit funds or financial institutionsMandatory exposure to corporate lending, working capital lending, and/or project finance. This is NOT a retail lending, or consumer lending, or fintech role. Strong financial analysis and cash-flow based underwriting skills. Ability to independently assess structured or non-plain-vanilla transactions. Clear written and verbal communication skills.