Location: Noida
Department: Credit & Risk
Experience: 1–4 Years
Industry: Fintech / NBFC / Agri Lending / Dairy Finance
About the Role
We are looking for a Credit Analyst – Dairy Lending responsible for evaluating creditworthiness of dairy farmers and rural borrowers using milk procurement data, banking patterns, and rural cash flow analysis. The role requires strong understanding of milk statement-based underwriting, rural borrower profiles, and the dairy ecosystem including cooperatives, milk unions, and procurement societies.
Key Responsibilities1. Dairy Income Underwriting
Analyze milk procurement statements from dairy cooperatives (Amul / Banas / other unions).
Evaluate borrower income based on LPD (Litres Per Day) supply, supply consistency, payment cycles, and seasonal variations.
Estimate monthly dairy income and repayment capacity.
2. Dairy Business Assessment
Evaluate number and type of cattle, milk yield per animal, feed expenses, dairy infrastructure, and stability of milk procurement relationships.
3. Credit & Risk Analysis
Analyze credit bureau reports (CIBIL / CRIF / Experian / Equifax).
Review borrower banking behaviour and existing liabilities.
Identify risks such as irregular milk supply, declining quantities, high leverage, or previous defaults.
4. Loan Application Review
Review KYC documents, bank statements, dairy cooperative milk statements, and cattle purchase or ownership documents.
Identify discrepancies, data gaps, or potential fraud indicators.
5. Credit Note Preparation
Prepare structured credit appraisal notes including borrower profile, dairy income analysis, bureau analysis, risk factors, and loan recommendation.
6. Sales & Field Team Coordination
Coordinate with sales and field officers to understand borrower background and clarify missing information.
Guide field teams on eligibility and documentation requirements.
7. Portfolio Monitoring
Track early warning signals such as decline in milk supply, payment disruptions, and delinquency trends.
Provide feedback to improve underwriting policies.
Key Underwriting Metrics
LPD (Litres per day) milk supply
Milk income stability over 6–12 months
Milk procurement consistency
Average milk price received
Household income vs EMI obligation
Debt-to-income ratio
Cattle productivity and herd size
Required Skills
Understanding of rural borrower cash flows
Ability to analyze milk statements and cooperative payment records
Knowledge of credit bureau analysis
Strong analytical and risk assessment ability
Attention to detail in document verification
Ability to work with sales and field teams
Preferred Qualifications
1–4 years experience in agri lending, dairy finance, rural credit, or microfinance
Experience working with dairy cooperative data
Understanding of cash-flow based lending models
Education
Bachelor’s degree in Agriculture / Commerce / Finance / Economics
MBA / PGDM in Rural Management / Agri Business / Finance preferred
Key Performance Indicators (KPIs)
Credit decision turnaround time (TAT)
Portfolio delinquency levels (DPD / PAR)
Accuracy of underwriting decisions
Quality of credit documentation
Early risk detection
Ideal Candidate Profile
Experience in rural credit or agri finance.
Comfortable analyzing non-traditional income data like milk statements.
Ability to work in a fast-growing fintech lending environment.
Pay: ₹20,000.00 - ₹30,000.00 per month
Benefits:
- Health insurance
- Paid sick time
- Provident Fund
Work Location: In person
