క్రెడిట్ అనలిస్ట్

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

1. Resume screening

2. Basic test: ratios, financial statements, Excel

3. 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.

• It is a Full Time అకౌంటెంట్ job for candidates with 0 - 2 years of experience.