Credit analyst — msme working capital

Credit Analyst — MSME Working Capital

Entity: Quick Cashflow Capital Private Limited (QCF Capital) — NBFC-ND, part of the Fin AGG group Location: Noida, Uttar Pradesh (work from office) Experience: 2–5 years Reports to: Credit Manager / Head of Credit Employment type: Full-time About Us

QCF Capital is the on-book lending arm of the Fin AGG group, a technology-first MSME lending platform. We underwrite small businesses using GST, banking and bureau data — not just balance sheets — and lend through a mix of our own book and co-lending partnerships with leading NBFCs and banks. We crossed ₹100 Cr AUM within our first year of operations and are scaling fast across working capital, channel finance and drop-line overdraft products.

If you want to do real credit work on thousands of MSME files — with data and tech doing the heavy lifting instead of paper — this is the seat. The Role

You will own end-to-end credit appraisal for MSME working capital proposals: reading the numbers, forming a view, writing it down clearly, and defending it. This is a hands-on underwriting role, not a coordination role. Key Responsibilities

Credit appraisal

Assess MSME working capital, channel finance and drop-line OD proposals within delegated authority and turnaround timelines. Analyse GST returns (GSTR-1, GSTR-3 B, GSTR-2 A/2 B), bank statements, bureau reports (CIBIL / CRIF commercial and consumer), financials, and GST-derived turnover trends to arrive at eligible limits. Assess buyer/supplier concentration, sales seasonality, related-party flows, cash-flow cycles and working capital gap. Prepare Credit Appraisal Memos (CAMs) with a clear recommendation, structure, covenants and conditions precedent.

Decisioning and documentation

Present cases to the Credit Committee; document deviations with justification and obtain appropriate approvals. Run and interpret RCU / field verification / legal and valuation inputs where applicable; resolve discrepancies before disbursal. Ensure sanction terms, PDDs and post-disbursement documents are complete and compliant with the credit policy and RBI norms.

Portfolio monitoring

Track borrower health on a recurring basis using monthly GST filings, repayment behaviour, bureau refresh and collections feedback; flag early warning signals. Support renewals, enhancements and limit reviews on existing parent limits. Contribute to portfolio reviews, delinquency root-cause analysis and policy feedback loops.

Partner and process

Work with co-lending and partner lenders on file-level queries, deviation approvals and portfolio reporting. Work with product and technology teams to sharpen the BRE / scorecard rules — flag where the rules are letting through bad files or blocking good ones. Maintain audit-ready credit files and support internal audit, statutory audit and lender due diligence. What You Need

Must have

2–5 years of credit underwriting experience with an NBFC, bank, or digital lending platform, in MSME / SME / business loans / secured or unsecured working capital. Graduate in Commerce, Finance, Economics or related; CA (Inter/Final), MBA (Finance), CFA or equivalent preferred. Hands-on ability to read GST returns, bank statements and bureau reports and independently form a credit view. Financial statement analysis: spreading, ratio analysis, working capital assessment, cash-flow-based lending logic. Strong written English — CAMs are read by credit committees, co-lenders and auditors. Advanced Excel.

Good to have

Exposure to GST-based or cash-flow-based underwriting rather than purely financial-statement-based lending. Experience in supply chain / channel finance, invoice discounting or anchor-led programs. Familiarity with RBI Digital Lending Guidelines, co-lending (CLM-2) frameworks, and LSP/NBFC operating models. Working knowledge of LOS/LMS platforms and comfort querying data (SQL is a plus). What We Look For Judgement over checklists. Policy is the floor, not the ceiling. We want someone who can say "the file passes, but here's why I'm not comfortable." Ownership. Your name on the CAM means you stand behind the call — good outcome or bad. Speed with discipline. MSME lending is won on turnaround time. We do not trade that against credit quality; we do both. Honesty, Accountability, Transparency. Escalate a mistake early. We are far more forgiving of an error owned than one discovered. Success in the First 6 Months Independently underwriting files within delegated authority at agreed TAT and quality standards. CAM quality that clears credit committee and lender due diligence without rework. Demonstrated contribution to at least one policy or BRE improvement backed by portfolio evidence. Clean audit and PDD compliance on files owned. Compensation

Competitive, benchmarked to experience and current CTC. Performance-linked variable component.