Business Development and Credit Analyst

Job Description

Business Development:

Identify and develop new business opportunities in the areas of Loan Against Shares, Supply Chain Financing, and Invoice Discounting.
Build and maintain strong relationships with clients, partners, and stakeholders.
Develop and execute strategic plans to achieve sales targets and expand the company's market presence.
Conduct market research to identify trends, competitive landscape, and potential clients.
Prepare and present business proposals, negotiations, and contract agreements.

Credit Analysis:

Assess the creditworthiness of potential clients by analyzing financial statements, credit reports, and other relevant data.
Evaluate the risk associated with loan applications and recommend appropriate terms and conditions.
Monitor and manage the credit portfolio to ensure timely repayments and minimize default risks.
Develop and maintain credit risk models and scoring systems.
Prepare detailed credit analysis reports and present findings to the credit committee.

Loan Against Shares:

Understand and evaluate the client's stock portfolio for loan against shares.
Structure loan deals based on the valuation of shares and client's requirements.
Monitor stock market trends and their impact on the loan portfolio.

Supply Chain Financing:

Develop financing solutions to support the working capital needs of clients in the supply chain.
Analyze the supply chain processes and identify potential risks and opportunities for financing.
Collaborate with clients to understand their business cycles and tailor financing solutions accordingly.

Invoice Discounting:

Evaluate invoices and receivables to provide timely financing solutions to clients.
Assess the credit risk of the clients' debtors and determine appropriate discounting rates.
Monitor the repayment performance and manage any collection issues that arise.

Qualifications:

Bachelor's degree in Finance, Business Administration, Economics, or a related field. A Master's degree or relevant certification (e.g., CFA, CPA) is a plus.
Minimum of 6-8 years of experience in business development and credit analysis, preferably in an NBFC or financial institution.
Strong understanding of Loan Against Shares, Supply Chain Financing, and Invoice Discounting.
Excellent analytical, negotiation, and communication skills.
Proficiency in financial analysis tools and software.
Ability to work independently and collaboratively in a fast-paced environment.
Strong attention to detail and organizational skills.