Company Description Oxyzo Financial Services Ltd in Gurgaon specializes in providing customized credit solutions to small and medium enterprises (SMEs) in India. With a focus on transforming SMEs into large enterprises, Oxyzo offers low-interest rates, collateral-free credit options, and quick loan processing timelines. The company serves thousands of SMEs. Role Description This is a full-time on-site role for an Area Sales Manager - Unsecured Working Capital, Unsecured Loans at Oxyzo Financial Services in Chandigarh. The role involves managing and expanding the client base, promoting credit solutions, meeting sales targets, and providing excellent customer service to SMEs. The Area Sales Manager will drive revenue growth and maximize profit margins. Qualifications Sales, Business Development, and Relationship Management skills Experience in selling unsecured working capital and loans Knowledge of financial products and services for SMEs Strong negotiation and communication skills Ability to meet sales targets and work in a fast-paced environment Good understanding of the SME market in India Bachelor's degree in Business Administration, Finance, or a related field Relevant certifications in sales or finance are a plus Show more Show less
Preference in sectors/Industries for Hiring : Priority - Banks/NBFCs with working capital lending experience and primarily doing self sourcing for 1-25cr. ticket size with Quarterly disbursement targets of 6cr. Alternatively, B2B lending segment candidates with work exp in open market/ self sourcing in the same segment can be considered. Job Description: Responsibilities: Actively sourcing and acquiring SME clients across a spectrum of industries including Manufacturing, Engineering, Chemicals, Pharma, Textiles, and Logistics. Conducting thorough credit and risk analyses to inform sound decision-making, while adeptly preparing credit notes to facilitate smooth deal structuring. Ensuring seamless document fulfillment and timely disbursement of credit facilities Working alongside the leadership and risk team to structure competitive deals and onboard clients effectively. Collaborating with the leadership to identify and capitalize on new growth clusters and industries Building and leveraging a strong network within industry circles to expand the business portfolio and capitalize on emerging prospects. What you get: 1. Industry best internal growth and progression (in terms of Grade/Wealth/Team/Learnings) with one of India's biggest and fastest growing NBFCs 2. Opportunity to work alongside and learn from some of the best commercial stalwarts 3. Competitive Pay & Benefits 4. Meritocratic and Rewarding Environment 5. Opportunity to do unconventional lending products with distinct USPs (Best TAT, Broader Client Coverage, Higher Risk Appetite, Superior Client Experience, etc.) Show more Show less
Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME. Key Responsibilities Evaluate and underwrite loan applications post credit processing. Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness. Perform Financial Analysis: assess balance sheets, profitability, and net worth. Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance. Carry out Legal Checks: identify any existing complaints or legal red flags. Recommend loan decisions (Approve/Reject) as per credit policy. Collaborate with Sales and Operations Teams to support disbursements and business targets. Monitor portfolio performance and suggest policy updates based on risk insights.
Company Description Oxyzo Financial Services is a leading lending option for SMEs in India, offering customized credit solutions to help small and medium enterprises expand their operations and increase revenue. With low-interest rates, collateral-free credit options, and 48 hours loan processing timelines, Oxyzo is dedicated to transforming SMEs into large enterprises. The company serves thousands of SMEs, disbursing over 4000+ crores per annum, with 5000+ crores as AUM. Role Description This is a full-time on-site role in Rajkot for a Business Development Manager at Oxyzo Financial Services. The Business Development Manager will be responsible for identifying new business opportunities, building and maintaining relationships with clients, developing growth strategies, and achieving sales targets. Qualifications Sales, Marketing, and Business Development skills Strong communication and negotiation skills Ability to build and maintain client relationships Experience in financial services or banking industry Knowledge of credit solutions and SME needs Bachelor's degree in Business Administration, Finance, or related field Proven track record of meeting or exceeding sales targets Show more Show less
Responsibilities: Actively sourcing and acquiring SME and Emerging Corporate clients across a spectrum of industries, including Manufacturing, Engineering, Chemicals, Pharma, Textiles, and Logistics. Conducting thorough credit and risk analyses to inform sound decision-making, while adeptly preparing credit notes to facilitate smooth deal structuring. Ensuring seamless document fulfillment and timely disbursement of credit facilities Working alongside the leadership and risk team to structure competitive deals and onboard clients effectively. Collaborating with the leadership to identify and capitalize on new growth clusters and industries Building and leveraging a strong network within industry circles to expand the business portfolio and capitalize on emerging prospects. What you get: Industry best internal growth and progression (in terms of Grade/Wealth/Team/Learnings) with one of India's biggest and fastest growing NBFCs Opportunity to work alongside and learn from some of the best commercial stalwarts Competitive Pay & Benefits Meritocratic and Rewarding Environment Opportunity to do unconventional lending products with distinct USPs (Best TAT, Broader Client Coverage, Higher Risk Appetite, Superior Client Experience, etc.)
Company Description At Oxyzo, we pride ourselves on understanding the business needs of SMEs and aim to transform them into larger enterprises by offering customized credit solutions. Our low-interest rates, collateral-free credit options, and rapid loan processing make us a leading lending option for SMEs in India. Oxyzo serves thousands of SMEs nationwide, disbursing over 4000 crores annually and managing 9000+ crores in assets. Our key features include 'Pay As Per Usage' interest, minimal documentation requirements, and additional savings on raw material purchases. Role Description This is a full-time on-site role for an Internal Auditor (CA Fresher) located in Gurgaon. The Internal Auditor will be responsible for conducting financial audits, preparing audit reports, and evaluating financial and operational systems. The role involves analyzing financial data, identifying risks, and ensuring compliance with regulations and internal policies. Additionally, the auditor will collaborate with different departments to communicate findings and suggest improvements. Role Summary: Assist in executing internal audit assignments across various departments. Support the audit team in identifying process gaps, control issues, and suggesting improvements. Work on ICFR documentation and testing under supervision. Help in preparing audit reports and working papers. Participate in statutory audit support and IFC-related work. Coordinate with different teams for data collection and process walkthroughs. Assist in compliance checks related to Income Tax, GST, and RBI norms. Contribute to risk assessments and mapping of controls. Perform basic data analysis and MIS using Excel. Preferred Skills: Strong understanding of accounting and auditing principles. Basic knowledge of Taxation, GST, and NBFC compliance framework. Good communication and interpersonal skills. Proficiency in MS Excel and willingness to work on dashboards and audit tools. Eagerness to learn fraud detection techniques (RCU/FCU exposure is a plus). Qualifications Audit Reports and Financial Audit Skills Strong Analytical Skills and Finance knowledge Excellent Communication skills Ability to work independently and as part of a team Proficiency in accounting software and MS Office CA qualification required; additional certifications in auditing or finance are a plus Attention to detail and strong organizational skills Show more Show less
Role: Business Development - Client Acquisition (SME and Mid - Corporate) Company: OXYZO Financial Services Website Link: https://www.oxyzo.in/ Present Asset Size: INR 9,000Cr. + Responsibilities: 1. Actively sourcing and acquiring SME and Mid Corporate clients across a spectrum of industries including Manufacturing, Engineering, Chemicals, Pharma, Textiles, and Logistics. 2. Conducting thorough credit and risk analyses to inform sound decision-making, while adeptly preparing credit notes to facilitate smooth deal structuring. 3. Ensuring seamless document fulfillment and timely disbursement of credit facilities 4. Working alongside the leadership and risk team to structure competitive deals and onboard clients effectively. 5. Collaborating with the leadership to identify and capitalize on new growth clusters and industries 6. Building and leveraging a strong network within industry circles to expand the business portfolio and capitalize on emerging prospects. About OXYZO: OXYZO Financial Services Ltd. is a Leading Fintech NBFC headquartered in Gurugram. We are into B2B Lending and cover both SME and Emerging Corporate customers Pan-India having our offices spread across 20+ cities in India including NCR, Chandigarh, Jaipur, Indore, Ahmedabad, Mumbai, Bangalore, Hyderabad, Chennai, Kolkata, etc. OXYZO is part of the OfBusiness Group and was incorporated in 2017 - having already built an AUM (Asset Under Management) of 9,200 Cr with a PAT of 340 Cr last year and is growing year on year with well established processes and governance framework with marque investors including Creation Investments, Matrix Partners, Norwest, Tiger Global and Alpha Wave. What you get: 1. Industry best internal growth and progression (in terms of Grade/Wealth/Team/Learnings) with one of India's biggest and fastest growing NBFCs 2. Opportunity to work alongside and learn from some of the best commercial stalwarts 3. Competitive Pay & Benefits 4. Meritocratic and Rewarding Environment 5. Opportunity to do unconventional lending products with distinct USPs (Best TAT, Broader Client Coverage, Higher Risk Appetite, Superior Client Experience, etc.)
The ideal candidate will be responsible for sourcing leads as per the target segment suggested by team leaders and as per Risk Bible. You will need to conduct a minimum of 2-3 meetings per day with new clients, convincing them of one of the OXYZO product offerings by sharing financial data and bringing them into the OXYZO valuation process. Collecting relevant financial data from the client for OXYZO evaluation/underwriting process for a working capital limit will be part of your responsibilities. Facilitating Personal Discussions by Risk team members and the clients, and collecting relevant financial data post-discussion to resolve queries of the Risk team will also be crucial. You are expected to understand the evaluation/underwriting methodology and philosophy from team leaders and Risk team members. Driving commercial negotiations and ensuring closure with the client as per the sanction released by the Risk team will be essential. Facilitating loan/limit agreement execution with support from the post-sanction team while ensuring client cooperation in the process is required. Ensuring smooth disbursement with the support of the Disbursement processing team by collecting the required documents from the client is also part of the role. What we look for: - Strong pedigree/academic background. - Previous experience in similar products like Business Loan, Unsecured Working Capital, Secured Finance, LC, BG, LAP, CC, OD etc. - DSA/CA Network in Punjab/Himachal and UK. - Understanding of B2B sales/SME sales in accordance with market dynamics. - Familiarity with consumer behavior principles. - Self-driven, hardworking, and able to lead teams. - Excellent communication skills and strong sales abilities. - Hunger to grow in the company and add value to SMEs across the country. - Ability to work in high-pressure situations and be hands-on with a knack for getting the job done. - Willingness to travel and fluent in Hindi, English, and the local language.,
Manage and execute internal audit assignments independently. Prepare Risk Based Internal Audit plan and define auditable scope Ensure compliance with ICFR (Internal Controls over Financial Reporting). Develop and maintain audit dashboards to monitor key metrics. Review of credit due diligence process, documentation, & post-sanction conditions. Conduct process mapping, identify control gaps, and build risk & control matrices. Evaluate operational efficiency and support in identifying leakages. Assess compliance with organizational policies, SOPs, and regulatory guidelines. Understanding of risk management frameworks and RBI regulations for NBFCs Collaborate and build strong relationships across various departments. Preferred: CA with 2-5 years of experience in NBFC audit.
Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME. Key Responsibilities Evaluate and underwrite loan applications post credit processing. Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness. Perform Financial Analysis: assess balance sheets, profitability, and net worth. Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance. Carry out Legal Checks: identify any existing complaints or legal red flags. Recommend loan decisions (Approve/Reject) as per credit policy. Collaborate with Sales and Operations Teams to support disbursements and business targets. Monitor portfolio performance and suggest policy updates based on risk insights
Actively sourcing and acquiring SME and Emerging Corporate clients across a spectrum of industries, including Manufacturing, Engineering, Chemicals, Pharma, Textiles, and Logistics. Conducting thorough credit and risk analyses to inform sound decision-making, while adeptly preparing credit notes to facilitate smooth deal structuring. Ensuring seamless document fulfillment and timely disbursement of credit facilities Working alongside the leadership and risk team to structure competitive deals and onboard clients effectively. Collaborating with the leadership to identify and capitalize on new growth clusters and industries Building and leveraging a strong network within industry circles to expand the business portfolio and capitalize on emerging prospects. What you get: Industry best internal growth and progression (in terms of Grade/Wealth/Team/Learnings) with one of India's biggest and fastest growing NBFCs Opportunity to work alongside and learn from some of the best commercial stalwarts Competitive Pay & Benefits Meritocratic and Rewarding Environment Opportunity to do unconventional lending products with distinct USPs (Best TAT, Broader Client Coverage, Higher Risk Appetite, Superior Client Experience, etc.)
Company Description Oxyzo Financial Services deeply understands the business needs of SMEs and aims to transform them into large enterprises by offering customized credit solutions. These solutions help SMEs expand operations, increase revenue, and improve profit margins. Known for low-interest rates, collateral-free credit options, and rapid loan processing, Oxyzo is a leading lending option for SMEs in India. Serving thousands of SMEs, Oxyzo disburses over 4000 crores annually and has 9000+ crores in assets under management (AUM). Role Description This is a full-time, on-site role for a Sr. Credit Manager - SME at Oxyzo Financial Services, located in Chennai. The Sr. Credit Manager will be responsible for evaluating and managing the creditworthiness of SME clients, assessing credit risk, and making recommendations for credit approvals. The role includes examining financial statements, conducting credit analyses, and ensuring compliance with credit policies and procedures. Underwriting / Appraisal of credit proposals in line with the policy laid down by TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/other funding requirements of the SME. Key Responsibilities: Perform Financial Analysis: assess balance sheets, profitability, and net worth. Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance. Recommend loan decisions (Approve/Reject) as per credit policy. Collaborate with Sales and Operations Teams to support disbursements and business targets. Monitor portfolio performance and suggest Qualifications Credit Management, Credit Risk Management, and Credit Skills Strong Analytical Skills and Finance knowledge Excellent written and verbal communication skills Ability to work independently and as part of a team Minimum of 3-6 years of experience in credit management or a related field Bachelor's degree in Finance, Accounting, Business, or a related field; CA preferred Experience in the SME sector is a plus
1. Preparation of Standalone and Consolidated Financial Statements in compliance with IndAS 2. Compilation and filing of Tax Audit Report (Form 3CD) 3. Preparation and timely filing of Income Tax Returns 4. Drafting and submitting responses to Income Tax and GST Department queries and notices 5. Coordination with Statutory and Internal Auditors and timely resolution of audit observations 6. Working knowledge of GST compliances, including filing of GSTR-1, GSTR-3B, GSTR-9, and GSTR-9C 7. Handling and resolution of queries related to Direct and Indirect Taxes 8. Ensuring accurate maintenance of books of accounts as per applicable standards and company policies What we are looking for: 1. Strong understanding of accounting principles and tax laws (Direct & Indirect) 2. Proficiency in Excel and accounting software (e.g., Tally, SAP, etc.) 3. Good analytical and problem-solving skills 4. Effective communication and stakeholder management abilities 5. High level of integrity and ownership in work
Underwriting / Appraisal of credit proposals in line with the policy within the laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME. Key Responsibilities Evaluate and underwrite loan applications post credit processing. Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness. Perform Financial Analysis: assess balance sheets, profitability, and net worth. Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance. Carry out Legal Checks: identify any existing complaints or legal red flags. Recommend loan decisions (Approve/Reject) as per credit policy. Collaborate with Sales and Operations Teams to support disbursements and business targets. Monitor portfolio performance and suggest policy updates based on risk insights
Hiring For "Inside Sales Associate" Responsibilities: 1. Use internet platforms and websites to identify potential B2B leads and build a database 2. Data research, data generation, data validation, data verification. 3. Prospecting to the identified potential leads, pitching them our offering, and filtering the Interested Leads 4. Collecting necessary info from the Interested Leads and passing those leads to the Field Sales team 5. Supporting other sales activities and client support activities throughout the process 6. The role is majorly responsible for generating high-quality Interested Leads for our Field Sales Managers What are we looking for: 1. Min 1 year of experience prospecting via calls 2. Strong stakeholder management and convincing skills 3. Good command of English & Hindi/Regional Language (Tamil for Chennai, Kannada for Bangalore, Marathi for Mumbai, Telugu for Hyderabad)
Company Description At Oxyzo, we deeply understand SMEs' business needs, offering tailored credit solutions to help them expand operations, increase revenue, and improve profit margins. Our services include low-interest rates, collateral-free credit options, and a 48-hour loan processing timeline, making us a leading lending option for SMEs in India. Currently, we serve thousands of SMEs nationwide, disbursing over 4000 crores annually and managing an AUM of 9,200+ crores. Our unique selling points include Pay As Per Usage, Minimum Documentation, Low-Interest Rates, Custom Credit Solutions, and Additional Material Savings. Role Description This is a full-time on-site role for a CS Trainee at Oxyzo Financial Services, located in Gurugram. The CS Trainee will be responsible for assisting in company secretarial duties, maintaining and updating statutory records, ensuring compliance with regulatory requirements, preparing and filing necessary documents with regulatory authorities, and supporting the company in corporate governance practices. Qualifications Knowledge of Company Law, Secretarial Practices, and Corporate Governance Proficiency in maintaining statutory records and ensuring regulatory compliance Strong organizational and documentation skills Excellent written and verbal communication skills Show more Show less
a) Answer customer calls and emails and address queries and provide helpful solutions promptly b) Maintain a positive, professional tone in all customer communications. c) Provide accurate product or service information to customers d) Collaborate with other teams to resolve complex customer issues e) Stay updated on company policies and product knowledge to assist customers effectively.
Evaluate and underwrite credit proposals specifically for plant & machinery/equipment loans Assess borrower's financials, bank statements, and repayment capacity Review technical documentation related to machinery funding Conduct risk analysis and ensure adherence to internal credit policies Coordinate with sales, operations, legal, and technical teams for end-to-end processing Structure loan terms aligned with risk appetite and borrower profile Perform site visits and interact with promoters (as needed) Ensure compliance with regulatory and internal underwriting guidelines Prepare and present credit notes to the approving authority/credit committee
Role: Senior Executive/Executive in Internal Audit Team Job Location: Gurgaon Company Website: https://www.oxyzo.in/ Responsibilities: Will be responsible for managing the internal audits assignments. Drive innovation within the audit team and generate fresh ideas to achieve the objectives of the internal audit. Responsible for ensuring controls in line with ICFR (Internal controls over financial reporting). Create and maintain continuous audit dashboards and drive the key parameters centrally. Support the business in identifying areas of leakages/improving efficiencies etc. Liaising with all levels of management and building successful relationships across the business. Ability to understand and map processes, identify control gaps in processes and devise the risk and control matrix for processes. Assist in the annual IFC audit along with statutory audit as part of internal audit team and effective closure of the same. Overall General Accounting Knowledge is must. Should be well-versed with risk management framework and RBI regulations on NBFC. Perform compliance audits to determine and establish whether the established protocols are being followed and working on ways for improvements. Perform Operational audits as per the audit plan approved by the board. Assess adequacy and effectiveness of control, adherence to organizational policies & SOPs. Should have updated knowledge of RBI Master Directions & Circulars. Should have good knowledge of Excel. About OXYZO OXYZO Financial Services Ltd. is a Leading Fintech NBFC headquartered in Gurugram. We are into B2B Lending and cover both Corporate and SME customers Pan-Country having our offices spread across 20+ cities in India including NCR, Chandigarh, Jaipur, Indore, Ahmedabad, Mumbai, Bangalore, Hyderabad, Chennai, Kolkata, etc. OXYZO is the lending arm of OfBusiness Group (Indias biggest profitable unicorn) and was incorporated in 2017 - having already built an AUM (Asset Under Management) of 9,200 Cr and is growing exponentially year on year having already joined the ranks of India’s Biggest Financial Institutions. OXYZO is a stand-alone Profitable Unicorn, joins the bigger group OfBusiness amongst India’s 10 Biggest Profitable Unicorns and also holds the distinction of being the first new-age company to acquire unicorn status in the very 1st round of external Funding.
You will be joining Oxyzo Financial Services as a full-time on-site Credit Manager focusing on Working Capital. In this role, you will play a crucial part in evaluating credit applications and financial statements, analyzing credit risks, and making well-informed lending decisions. Your responsibilities will include ensuring compliance with credit policies, conducting financial analysis of SMEs and mid-corporates, and recommending appropriate credit limits and terms. To excel in this role, you must have at least 3 years of experience in credit management, specifically in Working Capital and Business Loans for SMEs or mid to large corporates. Your qualifications should ideally include CA, CMA, or MBA. Proficiency in Kannada, both spoken and written, is a must. You will be expected to structure and customize financial solutions based on business requirements, assess the viability of short-term and long-term credit facilities, engage with clients to understand their financial needs, and provide tailored credit solutions to support their business growth. Additionally, you will maintain strong relationships with clients and stakeholders, regularly review client creditworthiness, monitor market trends and credit risks, and take proactive measures to mitigate default risks. Your role will also involve ensuring adherence to regulatory and internal credit guidelines, maintaining accurate credit records and documentation, and preparing credit reports for senior management. Your contribution will be vital in supporting SMEs in expanding their operations, increasing revenue, and improving profit margins with low-interest rates and collateral-free credit options.,