Senior Credit Risk Analyst

About Anupam Finserv:Anupam Finserv is a listed NBFC focused on building innovative lending products for both consumers and businesses. We are a young, ambitious team committed to rapid growth, continuous learning, and taking ownership as we scale.Role: Senior Credit Risk Analyst (Wholesale Credit)Location: Goregaon West, MumbaiWork Model: On-site

About the Role

We are looking for a Senior Credit Risk Analyst to join our Financial Institutional Lending Team.

Key Responsibilities

Work on credit appraisals for mid-market corporates and financial institutions (NBFCs), analysing financial statements, cash flows, business models, and management quality.Draft credit notes, rating rationales, and detailed risk assessments.Participate in client meetings, due diligence, and industry/peer benchmarking.Partner with business teams to evaluate deal structures, covenants, and risk mitigants.Track portfolio health through exposure analytics, rating changes, and early warning indicators (EWI).Assist in building sectoral risk frameworks by analysing macro and micro trends.Contribute to stress testing, scenario modelling, and limit utilisation monitoring.Support quarterly portfolio reviews, dashboards, and presentations.Collaborate with Data Science and Tech teams to build credit models, scorecards, and visual dashboards.Support validation, back-testing, and continuous improvement of risk models.Help automate reporting and monitoring of key risk metrics.Assist in drafting and refining risk policies, SOPs, and internal guidelines.Monitor compliance against risk appetite thresholds and escalate deviations.Coordinate with audit and compliance teams for reviews and documentation.Desired Skills & Qualifications:CA with 3–6 years of experience in credit, risk, or financial analysis.Strong command of financial statement analysis, ratios, and cash flow modelling.Prior exposure to underwriting/auditing Financial Institutions.Detail-oriented, analytical, and risk-first mindset.Excellent written and verbal communication skills.What You’ll Gain:Exposure to mid-market lending, structured finance, and institutional credit risk frameworks.Working with the management and being part of the decision making.A collaborative, high-performance environment designed for growth and ownership.Opportunity to front face and lead the negotiations to structure the deal.