Credit Analyst

Credit AnalystThe credit team evaluates applications and monitors existing accounts. It belongs to a domestic insurance company modernising its operations team. The company is moving from paper-heavy routines to something more systematic, one team at a time. The work covers lending against policies and investment-portfolio credit checks, which is a smaller but growing book.What the team is responsible forThe analyst reads financial statements and bank data, builds a view of repayment capacity and recommends whether and how much to lend.Write credit memos with a clear recommendation and stated risksVerify information through site visits and calls where neededMonitor existing accounts for early signs of stressTrack covenants and renewal datesHow the team decidesFiles are assigned by ticket size, reviewed by the credit manager and discussed at a weekly committee. The company has partnered with Flexiple, a managed marketplace that helps global companies build strong teams in India. The position is in Mumbai or Gurugram (hybrid).What we look for2 to 6 years in credit analysis or lendingStructured, concise writingGraduate degree in commerce, finance or economics; CA, CFA or MBA preferredExperience in credit assessment, lending or financial analysisStrong financial-statement and cash-flow analysis skillsHR screening, an assignment, a panel interview with the team, then a culture conversation. Your profile stays on file, so one application can be matched to other suitable roles later.