Senior Credit Analyst – Merchant Cash Advance (Bareilly)

Hiring: Senior Credit Analyst – Merchant Cash Advance (MCA) | US Market Underwriting

???? Remote | India ???? Shift: 6:30 PM – 3:30 AM IST (US EST Hours)

About the CompanyWe are a fast-growing financial services and alternative lending firm focused on providing working capital solutions to small and medium-sized businesses across the US market. Our core client base includes merchants across industries such as retail, healthcare, logistics, hospitality, construction, e-commerce, and professional services. The team operates in a high-performance, fast-paced environment with a strong focus on underwriting quality, risk management, and scalable funding operations.

Role OverviewWe are looking for an experienced Credit Analyst with strong Merchant Cash Advance (MCA) underwriting expertise. This is a senior underwriting and risk-focused role responsible for evaluating merchant creditworthiness, structuring deals, identifying risk, and delivering clear investment recommendations across the full MCA underwriting cycle.

???? Key Responsibilities:
• Conduct end-to-end underwriting of merchant files including bank statement analysis, cash flow assessment, credit review, and business stability evaluation
• Analyze risk indicators including NSFs, ADB trends, stacking, negative days, deposit behavior, seasonality, and repayment capacity
• Approve, decline, or counter deals with explicit underwriting rationale and risk-based decision making
• Structure and price deals by determining advance amount, factor rate, and RTR using underwriting models and cash flow analysis
• Ensure payment-to-revenue ratios remain within acceptable leverage thresholds
• Identify fraud indicators including duplicate submissions, document manipulation, ownership inconsistencies, and suspicious cash flow activity
• Review multiple months of business bank statements including MTD statements to extract core financial metrics and trends
• Prepare concise underwriting summaries and investment recommendations for intern Apply on Kit Job: kitjob.in/job/4mrz6s