Senior Credit Analyst – Merchant Cash Advance (MCA) | US …, Vapi

Hiring: Senior Credit Analyst – Merchant Cash Advance (MCA) | US Market UnderwritingRemote | 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, quick-paced workplace 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 clear 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 internal review
- Underwrite up to 15 merchant files daily with documented credit decisions
- Collaborate with internal stakeholders to resolve conditions, missing documents, and funding requirements
- Participate in underwriting audits, policy discussions, and weekly risk/performance reporting Required Qualifications
- 2+ years of hands-on MCA underwriting / credit analysis experience — mandatory
- Strong understanding of factor rates, RTR structures, cash flow dynamics, and portfolio risk
- Experience reviewing and interpreting business bank statements and identifying repayment risk patterns
- Strong Excel skills including financial modeling and underwriting calculators
- Experience working US / EST shifts
- Strong analytical judgment and ability to make credit decisions under pressure
- Excellent written and verbal communication skills Preferred
- Experience with MCA funders or alternative lending platforms
- Exposure to broader financial statement analysis including P&L; and tax returns If you have strong MCA underwriting expertise and thrive in a fast-paced credit environment, we'd love to connect. Apply on Kit Job: kitjob.in/job/4mtu3q