OfBusiness - Credit Underwriter - Working Capital - SME Segment - CA

3 weeks ago


Bengaluru, India OXYZO Financial Services Full time

- Credit Assessment: Underwrite and appraise credit proposals based on company policies, ensuring timely processing.- Financial Analysis: Analyze financial statements, cash flows, and ratios for assessing funding requirements.- Risk Evaluation: Conduct quantitative and qualitative analysis, including creditworthiness, banking, statutory, and legal checks.- Customer Interaction: Meet customers personally, conduct internal/external reference checks, and verify business operations on-site.- Decision Making: Make informed decisions (approve/reject) based on comprehensive analysis and risk evaluation.- Collaboration: Work closely with sales, cross-sell teams, and operations to support business growth and ensure smooth loan disbursement.- Policy Recommendations: Suggest improvements or changes in underwriting policies based on portfolio analysis and market trends. (ref:iimjobs.com)


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