Financial Analyst

Job Description:

We are seeking a dynamic and detail-oriented professional to manage end-to-end lending operations, including DSA network development, loan processing, borrower relationship management, and financial analysis. The ideal candidate will play a key role in driving business growth while ensuring compliance, accuracy, and operational efficiency.

Key Responsibilities

1. DSA Network Development & Management

• Identify, onboard, and build a strong network of Direct Selling Agents (DSAs)
• Maintain regular engagement with DSAs to drive loan sourcing
• Provide training, support, and performance tracking of DSAs
• Ensure compliance with company policies and regulatory guidelines

2. Sales & Business Development

• Generate loan leads through DSAs, direct sourcing, and references
• Achieve monthly and quarterly disbursement targets
• Develop relationships with builders, vendors, and channel partners
• Promote NBFC products including secured loans, vendor financing, and working capital loans

3. Loan Processing & Application Handling

• Handle complete lifecycle of loan applications from sourcing to disbursement
• Assist clients in filling applications and collecting required documents
• Coordinate with internal teams for faster processing and approvals

4. Financial Analysis & Credit Evaluation

• Conduct basic to advanced financial calculations including:
  • Eligibility assessment
  • EMI structuring
  • Cash flow analysis

• Analyze financial statements, bank statements, and credit reports
• Support credit team in underwriting and risk assessment

5. Documentation & Due Diligence

• Prepare and verify all loan documentation:
  • Loan agreements
  • KYC documents
  • Income proofs

• Conduct due diligence checks including:
  • Customer verification
  • Property/legal checks (if applicable)

• Ensure compliance with RBI and internal NBFC guidelines

6. Customer Relationship Management

• Maintain strong relationships with existing borrowers
• Follow up on renewals, top-ups, and cross-selling opportunities
• Address customer queries and ensure high satisfaction levels

7. Collections & Follow-ups

• Track repayment schedules and ensure timely collections
• Coordinate with borrowers for overdue payments
• Support recovery efforts in case of delinquencies

8. Administrative & Operational Work

• Maintain accurate MIS reports and records
• Update CRM systems with lead and loan data
• Assist in audit, compliance, and reporting requirements
• Coordinate with legal, finance, and operations teams

Required Skills & Qualifications

• Bachelor’s degree in Finance, Commerce, Business, or related field
• 2-5 years experience in NBFC, banking, or lending industry
• Strong understanding of loan products and credit processes
• Good knowledge of financial statements and basic underwriting
• Excellent communication and relationship management skills
• Proficiency in MS Excel and financial calculations.