Credit Analyst: Working Capital - CA/CMA

Company Description Oxyzo Financial Services specializes in understanding and addressing the unique credit needs of small and medium enterprises (SMEs) across India. The company offers customized credit solutions designed to help SMEs scale operations, grow revenue, and improve profitability, supported by low-interest rates and collateral-free options. With over INR 11,000+ crores in assets under management and thousands of SME clients, Oxyzo is a leading lending partner in the sector. Its offerings include flexible “pay as per usage” credit lines, minimal documentation requirements, and fast loan processing within 48 hours. Oxyzo also enables additional material savings by facilitating raw material purchase through OfBusiness, helping clients optimize costs.

Role Description This is a full-time, on-site Credit Analyst: Working Capital role based in Goregaon. The Credit Analyst will assess working capital requirements of SME clients, analyze financial statements, evaluate creditworthiness, and recommend appropriate credit limits and structures. Daily responsibilities include conducting detailed credit appraisals, preparing credit notes and risk assessments, monitoring portfolio performance, and ensuring adherence to internal credit policies and regulatory guidelines. The role involves close coordination with relationship managers and finance teams to structure tailored credit solutions, support loan approvals, and respond to client queries. The Credit Analyst will also track market trends, sector risks, and client behavior to support informed lending decisions and maintain portfolio quality.

Qualifications

• Strong expertise in Credit Management and Credit evaluation for working capital products.
• Advanced Analytical Skills, including financial statement analysis, ratio analysis, and risk assessment.
• Solid knowledge of Finance concepts, lending practices, and SME working capital requirements.
• Effective Communication skills, with the ability to present credit cases clearly and collaborate with internal and external stakeholders.
• Proficiency in MS Excel and financial modeling, with attention to detail and accuracy.
• Bachelor’s or Master’s degree in Finance, Accounting, Economics, Business, CA or CMA qualification preferred.
• Prior experience as a Credit Analyst or in SME lending, banking, or NBFC environment is highly beneficial.
• Ability to work in a fast-paced setting, manage multiple cases simultaneously, and uphold high ethical and compliance standards.