Indifi - Manager - Underwriting

2 weeks ago


Gurugram, India Indifi Technologies Full time

Responsibilities:- Assessment of borrower's 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 borrower's 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.Education: MBA (Finance)/CA (ref:iimjobs.com)



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