Position title
Credit Analyst
Description

We are looking for a meticulous and forward-thinking Credit Analyst to join our underwriting and credit team. You will play a key role in evaluating creditworthiness, analyzing financial statements, assessing risk, and structuring optimal credit solutions for MSMEs across various sectors. This role will directly contribute to building a robust and scalable credit infrastructure for Karncy’s lending ecosystem.

Responsibilities
  • Conduct in-depth financial and operational analysis of MSME borrowers including balance sheet, P&L, and cash flow assessment.
  • Evaluate customer credit applications using data from GST returns, banking transactions, trade references, and credit bureaus.
  • Develop credit scoring models, risk assessment tools, and early warning systems for default prevention.
  • Prepare detailed credit appraisal notes and recommendations for approval committees.
  • Monitor and review existing portfolios to ensure timely risk mitigation and covenant compliance.
  • Collaborate with sales, legal, and operations teams to structure and finalize credit solutions.
  • Maintain strong knowledge of industry trends, sector risks, and policy frameworks impacting MSMEs.
  • Engage with underwriting partners, NBFCs, and insurers to co-design risk-sharing models.
Qualifications
  • Bachelor’s/Master’s degree in Finance, Accounting, Economics, or related field.
  • 2-5 years of experience in credit underwriting, preferably in MSME, NBFC, invoice discounting, or fintech domains.
  • Proficiency in financial modeling, ratio analysis, and risk evaluation tools.
  • Strong analytical and communication skills with an eye for detail.
  • Familiarity with credit bureau reports, GST analysis, and banking transaction interpretation.
  • Understanding of RBI and regulatory frameworks for MSME lending is a plus.

Preferred Attributes

  • Prior experience in a fintech lending or invoice discounting platform.
  • Knowledge of escrow structures, credit insurance, and alternative data underwriting.
  • Proficiency with credit automation tools, Excel, and financial analytics platforms.
Job Benefits

Why Join Karncy?

  • Be part of a mission-driven team unlocking capital for India’s growth engines – MSMEs.
  • Shape innovative financial products in a rapidly evolving sector.
  • Enjoy flexibility, ownership, and a collaborative work environment.
Employment Type
Full-time
Job Location
Hyderabad
Working Hours
9:30AM - 6:00PM
Date posted
July 28, 2025
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