Manager - Underwriting ( Corporate )

Responsibilities-
Assessment of borrowers credit worthiness through a thorough analysis of industry segment, business model, financial statements, monthly MIS, etc.Analysis of cash flow statement, cash flow projections, EBIDTA sensitivity analysis.Discuss with customers to structure transactions by way of credit enhancements, stipulate financial and other covenants.Personal discussions with Founders/ Promoters & CFO to understand the current business model, fund raising plans, growth plans, etc.Benchmark borrowers financial performance across competitors and industry benchmarks.Secondary research to gather additional information about the background of management and the borrower.Regular review of the covenants and portfolio performance and suggest corrective action, including working with the customer to resolve any delinquency. Coordinating with Sales, Operation, Legal, Technology and Customer Service team effectively. Ensuring adherence to the internal credit policy, RBI guidelines and guidelines specific to NBFC. Skills required: Keen interest towards tech driven new age/ alternate data-based credit decision process.Knowledge of various products such as business loan, line of credit, dropline OD, etc. will be an added advantage. Strong knowledge of financial statement analysis, general accounting, cash flows, financial ratios, etc. Critical thinker with strong decision-making ability, excellent written and verbal communication.Demonstrated capabilities towards multiple stakeholder management.Knowledge of drafting curated sanction letters and loan agreements will be an added advantage.