Credit Strategy and Liaisoning with Bankers and Clients

About Bharatfi:

Bharatfi is a leading platform dedicated to MSME financing, providing tailored financial solutions that empower small and medium enterprises across India. We aim to be the most trusted advisor for MSMEs, offering services such as credit advisory, loan readiness reports, and financial modeling. At Bharatfi, we believe in simplifying the financial journey for MSMEs by providing them with up-to-date information, the right financial products, and expert guidance to scale their businesses effectively.

The Opportunity:

Credit Strategy and Liaisoning Manager

Key Responsibilities:

• Client Engagement

  : Serve as the key liaison between Bharatfi, banks, and MSME clients. Manage relationships, ensuring smooth communication and timely resolution of client concerns.

• Credit Risk Assessment

  : Evaluate the creditworthiness of MSME clients, including reviewing financial statements, P&L, and balance sheets. Conduct credit analysis to ensure the right financial products are recommended to clients.

• Strategic Liaisoning

  : Work closely with banking partners, ensuring alignment of Bharatfi’s offerings with bank requirements. Develop strategies for enhancing client access to funding, while adhering to credit norms and risk parameters.

• Team Handling

  : Lead a small team to manage client relationships and ensure efficient execution of credit processes. Provide guidance and support for day-to-day tasks.

• Documentation and Compliance

  : Ensure that all necessary documentation, financials, and compliance requirements are properly handled in line with lender requirements.

Required Skills and Knowledge:

• Educational Qualifications

  : CA (Intermediate), CA Fresher, or MBA with a focus on finance or a related field.

• Experience

  : 1–3 years of experience in a client-facing role, preferably in credit analysis, financial services, or MSME lending. Prior experience working with banks or financial institutions is a plus.

• Technical Skills

  : Strong understanding of financial statements, P&L analysis, and balance sheet evaluations.

• Communication Skills

  : Excellent written and verbal communication skills, with the ability to engage with clients, bankers, and internal teams effectively.

• Leadership Abilities

  : Ability to handle and mentor a small team, ensuring smooth and efficient operations.

• Dynamic & Strategic Thinking

  : Capable of taking initiative and contributing to the strategic direction of the company.

Key Characteristics:

• Client-Centric Mindset

  : Strong focus on client needs and providing solutions that help them succeed.

• Analytical & Detail-Oriented

  : High attention to detail with the ability to analyze and interpret financial data.

• Dynamic & Adaptable

  : Comfortable working in a fast-paced, ever-changing environment and willing to take on new challenges.

• Proactive & Collaborative

  : Willing to work closely with cross-functional teams to drive Bharatfi’s goals forward.

Compensation:

• Fixed Salary

  : ₹5 lakhs to ₹10 lakhs per annum (fixed plus variable compensation based on experience and expertise).

Why Bharatfi?

• Work directly with the promoters

  : An excellent opportunity to work in a dynamic and entrepreneurial environment, where you can have a direct impact on the company’s growth and vision.

• Dynamic Role

  : Be part of a high-impact role where you will not only engage with clients but also contribute to strategic decision-making.

• Career Growth

  : Bharatfi is rapidly growing, and this role offers significant career advancement opportunities. You will be in a position to learn, grow, and expand your horizons.