Credit Analyst

Role OverviewThe Credit Analyst will be responsible for end-to-end credit assessment of dairy and cattle loan applications. The role includes borrower and co-borrower assessment, bureau analysis, dairy cash-flow evaluation, review of field/PD findings, verification of cattle and vendor details, and timely credit decisioning in accordance with approved lender and internal credit policies.Key Responsibilities· Underwrite dairy/cattle loan applications and recommend approval, rejection, or escalation as per defined credit policy and authority matrix.· Analyse borrower and co-borrower bureau reports, including repayment history, active loans, overdue accounts, enquiries and overall indebtedness.· Assess dairy income based on number and type of cattle, breed, milk yield, milk selling price, dairy/co-operative receipts and operating expenses.· Assess household income, agricultural income and other supplementary income to determine overall repayment capacity.· Calculate FOIR, household cash surplus and proposed EMI affordability.· Review KYC, bank statements, milk-payment records, income proofs, and other documents submitted with the loan application.· Review Personal Discussion (PD), field verification, and residence/business verification findings and identify inconsistencies or adverse observations.· Conduct telephonic or video customer verification/PD wherever required.· Validate proposed cattle purchase, cattle valuation, supplier/vendor details, insurance, and RFID/tagging information wherever applicable.· Identify potential fraud and credit risks including multiple borrowing, over-financing, inflated cattle valuation, weak cash flows, adverse bureau behaviour, document mismatch and customer/vendor collusion.· Raise clear credit queries and coordinate with Sales/Operations teams for required clarifications or additional documents.· Ensure compliance with lender-specific credit policies, deviation rules, approval conditions, and documentation requirements.· Maintain defined credit TAT and daily productivity while ensuring underwriting quality.· Maintain accurate credit notes, assessment rationale, and approval/rejection remarks in the system.· Review early delinquency, FPD/SPD and bounce cases assigned for credit feedback and identify underwriting gaps.· Support credit audits, lender reviews and policy back-testing by providing case-level information and observations.Candidate Profile· Graduate/Postgraduate in Finance, Commerce, Agriculture, Rural Management or a related discipline.· 1–4 years of experience in credit underwriting, preferably in Dairy Loans, Cattle Loans, Agri Loans, Rural Finance, Microfinance, MSME, or retail lending.· Candidates with hands-on experience in rural borrower assessment and informal income evaluation will be preferred.

Required Skills

· Strong understanding of credit underwriting and borrower risk assessment.· Good knowledge of CIBIL / Experian / CRIF / Equifax bureau reports.· Ability to assess rural and informal household cash flows.· Understanding of FOIR, EMI affordability, banking analysis, and existing obligations.· Understanding of dairy economics, milk-income assessment and cattle valuation will be an advantage.· Strong analytical skills with ability to identify fraud indicators and data/document inconsistencies.· Good working knowledge of Excel and credit MIS.· Ability to handle high case volumes and work within strict TAT.· Good communication and customer-interaction skills.· Working knowledge of Hindi; Gujarati/Rajasthani or other relevant regional languages will be an advantage.Key Performance Indicators (KPIs) · Credit TAT· Number of cases processed / productivity· Quality and accuracy of underwriting decisions· FPD / SPD and early delinquency performance of approved cases· Bounce and portfolio-quality trends· Policy and documentation compliance· Credit-query quality and resolution time· Audit and quality-control observations