Credit Analyst

Trustline Capital underwrites mid-market working-capital loans of ₹1–15 crore, and its Gurugram credit desk assesses roughly 120 proposals a month. As a Credit Analyst you get real decision-making exposure early — analysts here present directly to the credit committee rather than passing notes up a chain. The desk works from the Cyber City office five days a week with a 9:30 to 6:30 schedule that is genuinely respected.

* Prepare credit appraisal memos covering business model, financials, and repayment capacity * Analyse three years of audited financials, GST returns, and 12-month banking statements * Build borrower-level cash-flow models and stress-test them for rate and revenue shocks * Interpret CIBIL and CRIF reports and reconcile discrepancies with the borrower * Present proposals to the credit committee and defend your recommendation * Track post-disbursement covenants and flag early-warning signals each quarter * Conduct personal discussions with promoters alongside the relationship team

* 2–5 years in credit underwriting at a bank, NBFC, or rating agency * Ability to spot window dressing in financial statements and question it credibly * Command over Excel — pivot tables, lookups, and scenario sheets without help * Clear written English for memos that a committee can act on in one reading * Working knowledge of MSME lending norms and RBI guidelines on income recognition

* Experience with supply-chain finance or invoice discounting products * Familiarity with Probe42, Tofler, or similar corporate data platforms * Progress toward CFA or FRM