2.0 - 6.0 years

0 Lacs

haryana

On-site

As a Manager/Senior Manager in the Underwriting Department at a Fin-tech venture funded by the largest global investors located in Gurgaon, your primary responsibilities will include assessing borrowers" creditworthiness by conducting a comprehensive analysis of the industry segment, business model, financial statements, monthly MIS, and more. You will be expected to analyze cash flow statements, cash flow projections, EBIDTA sensitivity analysis, and engage with customers to structure transactions through credit enhancements and financial covenants. Conducting personal discussions with Founders, Promoters, and CFOs to gain insights into the current business model, fund-raising plans, and growth strategies is a key aspect of the role. Additionally, you will be required to benchmark borrowers" financial performance against industry standards, perform secondary research on management backgrounds, and regularly review covenants and portfolio performance to recommend corrective actions when necessary. Effective coordination with cross-functional teams such as Sales, Operations, Legal, Technology, and Customer Service is essential. Ensuring compliance with internal credit policies, RBI guidelines, and NBFC-specific regulations is also a critical part of the job. The ideal candidate for this role should have a keen interest in tech-driven credit decision processes, familiarity with various financial products like business loans, lines of credit, and dropline OD, and a strong grasp of financial statement analysis, accounting principles, cash flows, and financial ratios. Excellent critical thinking, decision-making, written and verbal communication skills are required, along with the ability to manage multiple stakeholders effectively. Candidates with an MBA in Finance or a CA qualification and 2 to 5 years of relevant experience will be preferred. Knowledge of drafting sanction letters and loan agreements will be considered an added advantage for this position.,

Posted 1 week ago

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