Company: Manbhadra Fincorp (Manbhadra Associates Pvt. Ltd.)
Location: No. 311, Royal Ratan, MG Road, Indore (On-site)
Employment Type: Full-time
Experience: 0-2 years (freshers with strong finance fundamentals can apply)
Salary: ₹18,000 - ₹28,000 per month + performance incentive
About Us
Manbhadra Fincorp is a 19-year-old MSME and corporate loan consultancy based in Indore. We have served 1,571 clients across 31 cities, and helped with ₹1,151 Crore in loans disbursements.
Role Overview
Join our team and learn underwriting on live MSME and corporate loan cases (Business Loan, LAP, Working Capital etc).
Key Responsibilities
Collect, verify and organise client financials, ITRs, GST returns and bank statements
Prepare P&L, Balance Sheet and cash flow summaries
Compute DSCR, Current Ratio, TOL/TNW and Interest Coverage
Analyse bank statements: inflows, obligations, cheque returns, banking behaviour
Draft Credit Appraisal Memos (CAM) for senior review
Prepare complete, error-free lender submission files
Track file status and respond to basic lender queries
Update the case tracker daily
Performance Metrics
Data preparation turnaround: within 24 hours
Ratio and data accuracy: 95%+
File rework rate: below 20%, improving to below 10% within 6 months
Daily case tracker updates: 100%
Lender query response: within 24 hours
Independent CAM drafting within 6 months
Qualifications
Graduate in Commerce / Finance / Accounting (B.Com, BBA, MBA Finance; CA Inter or CMA Inter preferred)
0-2 years of experience in credit, banking, NBFC, accounting or a CA firm
Skills Required
Strong fundamentals in accounting and financial statements
Working knowledge of Excel (formulas, pivots)
Good written communication
Attention to detail and willingness to learn
Compensation and Terms
Fixed: ₹18,000 - ₹28,000 per month, based on experience
Variable: Incentive linked to file accuracy and sanction value
Probation: 6 months
Notice period: 30 days
Selection Process
Resume screening
Basic test: ratios, financial statements, Excel
Interview with the Managing Director
How to Apply
Send your resume to hr@manbhadrafincorp.com with the subject line: Junior Credit Analyst - Indore
Or WhatsApp your resume to 9039008191.