Full-Time Credit Analyst (2-4 Yrs)

We are seeking a diligent and analytical Credit Analyst with 2-4 years of experience to join our team in Bangalore. This role is crucial for assessing the creditworthiness of potential customers and partners, ensuring financial stability and mitigating risks for Pepperfry. The ideal candidate will possess a strong understanding of financial principles, risk assessment, and legal frameworks relevant to credit, ideally with an LLM background to leverage legal and contractual analysis in credit evaluation.

Key Responsibilities:

Conduct thorough credit analysis of new and existing clients, including financial statement analysis, cash flow projections, and industry risk assessments.

Evaluate loan applications and credit proposals, providing recommendations based on risk appetite and policy guidelines.

Interpret and apply legal and regulatory requirements related to credit and lending, leveraging LLM knowledge for contract review and compliance.

Monitor the credit performance of the portfolio, identifying early warning signs of distress and recommending proactive measures.

Prepare comprehensive credit reports and presentations for management.

Collaborate with sales, legal, and finance teams to ensure effective credit management processes.

Stay updated on market trends, economic conditions, and regulatory changes affecting credit risk.