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Oxyzo Financial Services
Credit Processing Associate: Working Capital/Term Loans - SME Lending
22 days ago
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Important information
Contract type:
Permanent
Salary:
₹500,000 – ₹600,000 / year
Location:
Gurugram, Haryana, India
Work mode:
Onsite
Published on:
5 October 2026
What they need
- Prepare Credit Appraisal Memos (CAM) for business/MSME loan applications.
- Analyze financial statements, including Balance Sheets, P&L, and key financial ratios.
- Conduct banking analysis, including turnover, average bank balance, CC/OD utilisation, cheque returns, and repayment track record.
- Perform GST analysis, including turnover validation, GSTR-1 and GSTR-3B reconciliation, and ITC analysis.
- Reconcile financial, banking, and GST data to identify discrepancies, deviations, and potential risk indicators.
- Review CIBIL reports and highlight credit-related observations and red flags.
- Coordinate with Underwriting, Operations, and Documentation teams for case-related queries and timely processing.
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