Location: Pune - Work from Office
Working Days: Monday to Saturday
Working hours: 10:00 AM to 6:30 PM
Experience required: 2-5 years
CTC: Rs 4.20 lakh to 7.5 Lakh, depending on practical skills and experience
Reports to: Head (Business Operations)
Please check before applying
Apply only if all the following are true:
- You have 2–5 years of relevant experience in credit, lending, banking, an NBFC, a CA firm, debt advisory or loan operations.
- You have prepared CMA data and financial projections independently.
- You can understand a profit and loss account, balance sheet, GST returns, bank statements and existing loan statements.
- You are comfortable doing both financial analysis and case coordination.
- You are willing to work from our Pune office, Monday to Saturday.
- You are comfortable with occasional visits to bank branches in Pune.
Please do not apply if:
- You are a fresher with no relevant practical experience.
- Your experience is only in sales, telecalling or lead generation.
- Your experience is limited to bookkeeping, GST filing or income-tax-return filing.
- You have never prepared or worked on CMA data or financial projections for complex projects.
- You are looking for a work-from-home or five-day position.
- You want a purely desk-based analyst role with no client, accountant or lender coordination.
About Finansh:
Finansh is a Pune-based debt-advisory, capital-structuring and credit-intelligence firm.
We work with individuals, MSMEs, promoters and renewable-energy businesses. Our work includes working capital, term loans, machinery finance, property-backed lending, HNI home loans and renewable-energy project finance.
Business mandates generally begin at Rs 5 Crore, and Finansh works across a network of 18+ lending institutions.
This is an in-house position with direct exposure to the Founder and Head of Business Operations.
About the Role:
We need a Credit Associate who can understand a borrower’s financial position and also take responsibility for moving the case forward.
This is deliberately a mixed role:
- Approximately 45% credit analysis and preparation
- Approximately 40% case execution and coordination
- Approximately 15% post-disbursement and compliance support
The exact mix will vary depending on the cases being handled.
This role suits someone who wants to understand and own the complete lending process-not only prepare spreadsheets or only follow up for documents.
What you will do:
Credit Analysis:
- Analyse audited and provisional financial statements, income-tax returns, GST returns, bank statements, existing loans, CIBIL/credit-bureau reports and repayment history.
- Prepare CMA data, financial projections, cash-flow statements and loan-repayment calculations.
- Calculate and understand ratios such as current ratio, debt-equity, TOL/TNW, DSCR and ISCR.
- Check whether information in financial statements, GST returns, bank statements and loan records is consistent.
- Identify important discrepancies or missing information before submitting a case to a lender.
- Prepare borrower summaries, initial credit notes and replies to lender queries.
- Assist in assessing working-capital, term-loan, machinery-finance, property-backed, renewable-energy and complex self-employed borrower cases.
- Maintain clear assumptions and supporting sources for financial models.
Case Execution:
- Own assigned cases from document collection through lender submission, sanction conditions and disbursement.
- Maintain clear document checklists, pending requirements, next steps and target dates.
- Coordinate with clients, accountants and lender representatives for documents and clarifications.
- Review files for completeness before internal review or lender submission.
- Track lender queries, approvals, sanction conditions, documentation and disbursement progress.
- Support interest-payment follow-ups, lender audits and other assigned post-disbursement requirements.
- Visit Pune bank branches when a case requires proper coordination, clarification or compliance support.
Routine courier and document-delivery work is not the purpose of this position.
Qualifications and Skills
- MBA Finance, M.Com, CA or CMA. (Preferred)
- Strong accounting and financial-statement understanding.
- Practical Excel skills, including formulas, linked schedules and financial models.
- Ability to explain financial movements and credit issues clearly.
- Professional written and spoken English.
Growth at Finansh:
A strong Credit Associate can progress towards a Senior Credit Associate position and ownership of a defined case portfolio or lending vertical within approximately 18–24 months.
Progression depends on work quality, judgement, reliability and the ability to handle cases independently.
Selection Process
- Initial application screening.
- Shortlisted candidates will be invited for one office visit.
- The office visit will normally include:
- a. A practical exercise using sample financial and case information.b. Discussion of the candidate’s approach.c. Interviews with the Head of Business Operations and Founder.
- Reference and background checks will follow for the selected candidate.
Please do not visit the Finansh office without a confirmed interview appointment. Walk-in applications will not be considered.
How to Apply
Submit your CV together with answers to all the following questions:
- How many years of relevant credit or lending experience do you have?
- How many CMA or financial-projection assignments have you prepared?
- Did you prepare them independently or under supervision?
- Which loan products and borrower profiles have you handled?
- Have you coordinated any case from application through sanction or disbursement?
- Are you comfortable working from the Pune office, Monday to Saturday?
- Are you comfortable with occasional Pune branch visits?
- What are your current location, current CTC, expected CTC and notice period?
Applications without answers to these questions may not be reviewed.
Pay: ₹420,000.00 - ₹750,000.00 per year
Benefits:
- Health insurance
- Paid sick time
- Provident Fund
Education:
Language:
Willingness to travel:
Work Location: In person
