Credit Risk Analyst

Company Profile: candi is a dedicated rooftop solar company for SMEs across Asia and Africa. We bring together international capital, through our Swiss-based platform, and local expertise in order to provide a unique offering to this underserved sector. In doing so, candi aims to have a big social impact, reduce carbon emissions, create jobs, increase energy access, and save money for small businesses in emerging markets. www.candi.solar

Job Summary: The company is looking to strengthen its credit risk team with an experienced professional, who will help candi to lead the revolution of solar for SMEs. candi is focused on making solar accessible to SMEs and the role requires experience and openness in dealing with small counterparties. We are looking for someone with experience in bilateral lending or counterparty risk assessments in India and South Africa. Given the global footprint of candi, the individual should also be interested in familiarizing themselves with risk assessments for companies in other jurisdictions. This job further offers interested individuals the opportunity to gain insight into and participate in the development and improvement of risk rating and monitoring tools.

Location: Gurgaon, with flexibility with working from home. Occasional client-related travel may be required.

Hours: Full Time, 5 days per week.

Job Requirement:

• PG -finance / CA/ ICAI
• 3+ years experience in SMEs credit risk management for loans with average ticket size greater than 25 Lakhs
• Basic knowledge on ESG ( Environmental Social and Governance) risk, related to counterparty assessments and/or internally
• Excellent knowledge of advanced Excel and openness to other data analysis programs
• Experience or know-how in data analysis is a significant advantage
• Excellent spoken and written English

Job Description:

Specifically, the job requires taking ownership of the following:

• Read, evaluate and analyze business financials mainly balance sheet, P/L , Income statement, Cash flow statements and bank statements in order to calculate relevant key ratios and monitor trends.
• Assessing corporate credit risk including rating corporates.
• Running KYC, Commercial and consumer bureau checks, background checks, and advising the sales team on adequacy of counterparties
• Engaging in training of other departments on risk issues to establish a company-wide sentiment for risk appetite and adoption of a portfolio risk view
• Keeping up to date with economic and industry developments, networking with other financiers or risk rating agencies in the market
• Supporting the Head of Credit in the further advancement and improvement of in-house risk tools

Working Culture Requirements:

• You agree to live out the candi values every day of your employment: this includes to put empathy before ego, being authentic no matter what, that we work as one and follow the candi principle that less is more
• A dynamic, cross-functional team player, willing to take initiative on projects in the context of a multicultural scale-up trying to execute big, bold ideas
• Having experience working for an international company, or having studied or worked abroad, considered an advantage
• You must be open, honest, trustworthy, a strong communicator, and understand that what we get done as a team surpasses what we get done individually
• candi is an equal opportunities employer

candi is unique because...

• We focus on helping SMEs in emerging markets get access to cheap, clean rooftop solar energy
• We have a strong emphasis on a client-centric & innovation-driven working culture
• We are an international team where remote working is commonplace, where we trust our team members to actively carve out a role for themselves according to their skillset

Only qualified candidates will be contacted.