Company Overview

GetVantage is reimagining venture finance in favor of founders. We empower entrepreneurs by providing growth solutions, including equity-free capital, real-time insights, business optimization tools, and resources through our extensive partner and mentor ecosystem. Our data-driven platform offers non-dilutive growth capital ranging from US$ 10,000 - US$ 2.5 million in as fast as 7 days, without any equity, interest, warrants, personal guarantees, board seats, dilution, collateral, or hidden fees.

Job Overview

We are seeking a highly skilled Senior Credit Analyst to join our team at GetVantage. As a Senior Credit Analyst, you will be responsible for assessing and analyzing the creditworthiness of potential borrowers to mitigate risk and make informed lending decisions. This is a full-time position based in Mumbai, Maharashtra, India, and requires a mid-level candidate with 4 to 6 years of experience in credit analysis.

Qualifications and Skills

• Bachelor's degree in finance, accounting, or a related field
• Proven experience as a Credit Analyst, preferably in the financial services industry
• Strong knowledge of credit analysis techniques, financial modeling, and risk assessment
• Proficient in analyzing financial statements, credit reports, and relevant data
• Familiarity with lending policies, regulations, and compliance standards
• SME Lending
• Unsecured Business loans
• Excellent analytical and problem-solving skills
• Attention to detail and ability to work with complex financial data
• Strong communication and interpersonal skills
• Ability to work effectively in a fast-paced and dynamic environment
• Proficient in using credit analysis software and tools

Roles and Responsibilities

• Perform thorough credit analysis to evaluate the creditworthiness of potential borrowers
• Assess financial statements, credit reports, and other relevant information to determine the risk involved in lending
• Analyze financial data and ratios to identify trends, abnormalities, and potential risks
• Prepare detailed credit reports and recommend appropriate credit limits and terms
• Collaborate with internal teams to review loan applications and ensure compliance with lending policies and regulations
• Proactively monitor the credit portfolio and identify potential issues or opportunities
• Provide recommendations for improving credit risk management strategies
• Stay updated on industry trends, market conditions, and regulatory changes that may impact credit analysis
• Maintain relationships with borrowers and provide ongoing support and guidance

Skills: Credit Analysis, Credit Reports, Financial Modeling, Risk Assessment, Financial Statements

Experience: 4.00-6.00 Years