Bharat Banking: Credit Analyst – Microfinance

Role description
About Rural Lending – Microfinance Wholesale
• The Microfinance Wholesale business focuses on providing debt solutions to regulated Microfinance Institutions (NBFC-MFIs) to support lending to economically low‑income households.
• The portfolio delivers scalable, risk‑adjusted returns while meeting the Bank’s Priority Sector Lending (PSL) objectives through disciplined credit assessment and portfolio monitoring.

About the Role
Credit Analyst – Microfinance Wholesale will be responsible for:
• End to end credit appraisal of wholesale lending proposals to NBFC-MFIs.
• Financial analysis, credit risk assessment, and preparation of credit notes in line with internal policies and regulatory guidelines.
• Ongoing monitoring of the approved portfolio to ensure asset quality and early identification of risks.

Key Responsibilities
• Prepare detailed and structured credit appraisal notes for NBFC- MFI borrowers.
• Analyze audited and unaudited financial statements, including profitability, leverage, asset quality, capital adequacy, and liquidity.
• Assess portfolio quality indicators such as PAR levels, provisioning adequacy, write‑offs, and collection efficiency.
• Evaluate qualitative aspects including governance standards, management quality, operational scalability, and control frameworks.
• Recommend internal credit ratings, loan structure, tenure, pricing, covenants, and risk mitigants.
• Participate in due diligence and field visits to validate operational and portfolio information.
• Monitor borrower performance through periodic reviews, early warning indicators, and covenant compliance.
• Support portfolio actions such as limit revisions, renewals, restructurings, or corrective measures where required.
• Prepare MIS, portfolio dashboards, and presentations for senior management and credit committees.
Qualifications

• CA / MBA
• 4–7 years of experience in wholesale banking, credit analysis.
• Prior exposure to lending to NBFCs preferred.
• Strong financial analysis and credit appraisal experience.
Role Proficiencies:
For successful execution of the job, a candidate should possess the following:
Knowledge
• Strong understanding of microfinance business models, wholesale lending products, and credit processes.
• Working knowledge of regulatory guidelines, PSL norms, and internal credit policies.
Skills
• Financial statement analysis and credit note preparation.
• Clear written and verbal communication for credit presentations and stakeholder interactions.
• Analytical and problem solving skills with attention to detail.
Abilities
• Ability to assess and balance risk and business objectives.
• Ability to work collaboratively across functions in a matrix environment.
• Ability to manage multiple credit proposals and deadlines simultaneously.
• Ability to independently drive deliverables with minimal supervision.