Credit Manager

About Vivriti Group

Vivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises. The group operates through two core businesses:

Vivriti Capital Limited: A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI). Vivriti Capital has disbursed over USD 3 billion to 300+ enterprise borrowers and holds a CRISIL rating of A+.

Vivriti Asset Management: A fixed-income fund manager, managing multiple Alternative Investment Funds (AIFs). With over USD 550 million in commitments from 900+ institutional and private contributors, Vivriti AMC has invested more than USD 600 million across 90+ entities.

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Role: Manager / Senior Manager – Credit - Mid-Corporate Lending

Location: Mumbai / Gurugram / Chennai

Department: Credit

About the Team

The Credit team is integral to Vivriti’s mid-corporate lending platform, playing a key role in evaluating creditworthiness, managing risk, and enabling high-quality loan underwriting. We work closely with origination, portfolio, and risk teams to structure and monitor credit facilities for mid-market borrowers across sectors. Our work involves in-depth financial analysis, on-ground due diligence, and timely engagement with internal and external stakeholders.

Key Responsibilities

• Independently conduct end-to-end credit assessments for new and existing clients, including sector outlook, business model evaluation, financial and credit analysis, and peer benchmarking.
• Prepare detailed credit appraisal notes with clear risk identification, mitigation strategies, and recommendations for internal credit committees.
• Maintain regular engagement with clients’ senior management (CXOs/CFOs) to understand business performance, strategy, and financial outlook.
• Track portfolio companies through a combination of desk reviews and field visits; identify early warning signs and work closely with the relationship team on corrective actions.
• Support credit renewal and annual review processes by collaborating with internal stakeholders across business, legal, and compliance.
• Form independent views on credit exposures and provide structured recommendations on lending decisions and portfolio actions.
• Contribute to cross-functional initiatives, including process improvements, tech adoption, portfolio analytics, and regulatory reporting.

Qualifications & Experience

• CA / MBA (Finance) with 1–5+ years of relevant experience in credit underwriting or credit risk in the mid-corporate / SME / structured lending segment.
• Prior experience in banks, NBFCs, debt funds, rating agencies, or transaction advisory/due diligence roles preferred.
• Strong analytical skills with an ability to interpret financial statements, assess financial health, and model business scenarios.
• Exceptional written and verbal communication skills, with the ability to articulate complex credit matters clearly and concisely.
• Highly detail-oriented, with a strong sense of accountability and the ability to work under tight timelines.
• Proficient in Microsoft Excel (financial modeling), PowerPoint, and Word.
• Willingness to travel extensively across India for client meetings and on-ground due diligence.

What We Offer

• A high-impact role in a fast-growing fintech lender transforming debt capital access in India.
• Exposure to diverse sectors and innovative credit structures.
• Opportunity to work with experienced professionals and thought leaders in credit and risk.
• A collaborative work culture that values ownership, transparency, and continuous learning.