Company profileCosmos Financial Group (CFG) is a New Delhi–based investment banking and corporate advisory firm delivering strategic financial solutions across global markets. The firm specializes in investment banking advisory, alternative asset management, and corporate financial consulting.CFG supports clients with services such as private equity & venture capital syndication, structured finance, financial restructuring, valuation, and transaction advisory. It operates across diverse asset classes including private equity, venture capital, real assets, and structured credit opportunities.Driven by experienced professionals and a technology-enabled approach, CFG focuses on delivering efficient, transparent, and scalable financial solutions. The group also operates through an RBI-registered NBFC platform, strengthening its capabilities in structured lending and investment activities.CFG is committed to integrity, innovation, and long-term value creation for its clients and stakeholders
Role Summary
The Credit and Risk Analyst for SALESFi will own the analytical assessment of borrower credit quality, purchase order quality, buyer strength, cash flow visibility, and sector-specific underwriting fit across the SALESFi working capital finance platform.
The role sits at the core of SALESFi's PO financing and lender-routing engine. It requires a strong understanding of lending risk, cash flow underwriting, transaction assessment, financial statement analysis, and digital credit operations. The analyst will help determine whether a transaction is suitable for Indra Financial Services underwriting or should be routed to the broader SALESFi lender marketplace based on internal business rules and lender policy fit.
The analyst will work across company-level and PO / transaction-level evaluation, support credit memo preparation, analyze exceptions, and maintain underwriting discipline in line with the platform's scorecard and policy framework.
Key Responsibilities
Credit Assessment and Underwriting
- Assess borrower financial strength, liquidity, leverage, profitability, and working capital profile.
- Analyze PO-backed transactions across manufacturer, trader, EPC, and service segments.
- Review buyer quality, contract structure, payment terms, delivery cycles, and collection risk.
- Evaluate transaction-level profitability, including EBITDA / margin, cash conversion cycle, and working capital gap.
- Apply SALESFi credit policy logic and recommend whether a case is suitable for direct underwriting or lender marketplace routing.
- Prepare structured credit notes with clear approval, refer, or decline recommendations.
IPO Intelligence and Transaction Review
- Review uploaded purchase orders, contracts, BoQ, invoices, and related commercial documents.
- Validate authenticity, consistency, and completeness of PO data.
- Identify red flags such as weak payment terms, short margin, high concentration, execution complexity, or weak buyer quality.
- Assess escrow readiness and repayment visibility.
- Validate whether the structure supports controlled disbursement and cash flow recovery.
Risk Monitoring and Portfolio Support
- Support post-disbursement monitoring of portfolio performance, DPD trends, early warning signals, and concentration exposure.
- Track industry, buyer, and borrower-level risk patterns.
- Assist in monitoring rule breaches, policy exceptions, and collection issues.
- Escalate high-risk cases to senior credit or risk leadership.
Lender Marketplace Support
- Map transactions to lender policy requirements where Indra Financial Services is not the right fit.
- Support comparison of lender credit criteria, documentation requirements, and transaction eligibility.
- Help ensure seamless case handoff to the appropriate lender or partner institution.
Process, Governance and Reporting
- Maintain detailed underwriting records, decision rationale, and audit trails.
- Contribute to refinement of credit rules, scorecards, and transaction filters.
- Support MIS, portfolio reports, and risk dashboards.
- Ensure adherence to credit process governance, turnaround time, and escalation standards.
Pay: ₹600,000.00 - ₹900,000.00 per year
Work Location: In person
