Supply Chain Finance Credit Manager iKonsult Recruitment Solutions

5.0 - 9.0 years

0 Lacs

maharashtra

On-site

The ideal candidate should have a minimum of 5 years of experience in Credit underwriting for Supply Chain Finance/Working Capital loan products (Corporates & MSMEs). Candidates with prior experience in a Fintech/NBFC environment will be given preference. As a Credit Underwriter, your key responsibilities will include conducting a comprehensive assessment, review, and recommendation of credit proposals following meticulous due diligence. You will be expected to take complete ownership of credit underwriting and credit administration tasks. Your role will involve performing detailed credit assessments of potential anchors for Supply Chain Finance programs. This will encompass analyzing various aspects such as the company's business model, product offerings, management structure, dealer/vendor ecosystem, past credit ratings, market positioning, and conducting reference checks. Additionally, you will be responsible for financial analysis tasks, including evaluating Balance Sheets, Profit & Loss Statements, Cash Flow Statements, Ratio Analysis, preparing CMAs with projections, conducting sensitivity analysis, and presenting findings to the approving authority. You will analyze a wide range of data related to the companies being assessed, such as credit rating reports, annual reports, investor presentations, stock market performance data, and legal checks. Furthermore, you will scrutinize credit reports of different entities like proprietorships, partnerships, private limited companies, and individuals, providing detailed observations and recommendations based on your analysis. Your responsibilities will also involve assessing Credit Approval Memos (CAMs) for counterparties like dealers and vendors. This will include evaluating financials, bank statements, GST returns, credit bureaus, stock statements, and ensuring compliance checks are conducted thoroughly. You will be expected to independently make credit decisions and recommend cases within the defined credit policy limits. Handling both secured and unsecured exposures to counterparties is a key aspect of this role. Collaboration with various stakeholders such as financial institutions, banks, business teams, and credit administration teams will be essential to ensure smooth underwriting and onboarding processes. Monitoring the credit portfolio, suggesting improvements in policies and processes, and handling any other assigned ad hoc tasks will also be part of your responsibilities. Overall, as a Credit Underwriter, you will play a crucial role in the credit assessment and decision-making process, contributing to the effective management of credit risks and ensuring the smooth functioning of credit operations.,

Posted 2 weeks ago

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QA Engineer Consumer Lending Domain NAZZTEC

4.0 - 8.0 years

0 Lacs

karnataka

On-site

You are a Techno-Functional QA Engineer with 4 to 8 years of experience, specializing in the Consumer Lending domain. As a valuable member of the Quality Engineering team, your primary responsibility will be to ensure the quality and reliability of the lending platform. Your duties will include reviewing business requirements, user stories, and functional specifications related to loan products such as personal loans, credit cards, and auto loans. You will design and execute manual and automated test cases across UI, API, and backend systems. Furthermore, you will be validating end-to-end loan lifecycle workflows, including application, credit checks, approvals, disbursements, and servicing. Database testing to ensure accuracy in credit decisioning rules and risk assessment logic will also fall under your purview. Collaboration with Product and Development teams will be crucial in ensuring quality across all stages of the Software Development Life Cycle (SDLC). To excel in this role, you should have a minimum of 4-8 years of experience in software testing, including manual and automation, with at least 2 years in the consumer lending or fintech domain. A strong knowledge of credit workflows, underwriting, loan processing, and regulatory compliance such as TILA and FCRA is essential. Moreover, you should possess solid skills in API testing, SQL, and functional validation of complex financial systems. Your success in this position will be bolstered by your excellent analytical, communication, and teamwork abilities. Experience with automation frameworks like Selenium and RestAssured, exposure to Agile methodologies, and familiarity with defect tracking tools such as JIRA will be advantageous. Additionally, familiarity with credit bureaus like CIBIL and Experian, or decision engines, is considered a plus. If you are looking for a challenging yet rewarding opportunity to contribute to the quality and reliability of consumer lending platforms, this role might be the perfect fit for you.,

Posted 1 month ago

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