Credit - Anchor Onboarding Team- Colending (NBFC)
6 hours ago
About the team and role
Be a member of Credit- Anchor Onboarding team at the NBFC. Role would include Onboarding and monitoring of NBFC’s/Fintech’s for lending partnerships.
Primary Responsibilities
Client Onboarding for joint lending on retail loans
· Conduct detailed credit due diligences on NBFC’s/Fintech’, prepare credit reports, seek approvals from Credit Committee for lending program.
· Seek, analyze, and structure data provided by clients.
· Evaluating business models, meetings with CXO’s/Senior management of companies and thorough field diligence (HO/CO/Branches/Vendor visits)
· Evaluate feasibility of program through co-ordination across multiple teams (internal/external), recommending product structures, limits & recourse requirement basis loss estimation.
· Prepare insightful credit report for presentation to Credit Committee with cogent recommendations.
· Taking partnerships live, continuous engagement with client, finalizing process flow and transaction documents.
Post Go-live:
· Identifying early warning signs of credit deterioration
· Credit monitoring, field visit, management meetings, calls.
· Regular Updates to Credit Committee – Anchor updates, portfolio insights, etc.
· Impact assessment of regulation on sector/programs
· Suggestions on limits, structure, new product introduction, portfolio Rebalancing, etc
Desired Skills & Experience
· Ability to interact with promoters/CXOs and glean information through physical discussions.
· Be willing to travel extensively pan-India for on-field monitoring of clients.
· Possess a good eye for detail and have demonstrated ability to work under pressure.
· Be brilliant with numbers, analyzing financial statements, managing and interpreting data and solving problems - to aid in taking decision to onboard.
· Have excellent report writing skills.
· Be as ambitious as we are, and hence be willing to go out of her / his way to burn the midnight oil to meet targets and deadlines.
· Experience of NBFC underwriting or Credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies would be preferred.
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