Manager/Sr. Manager Underwriting
2 weeks ago
Industry: A Fin-tech venture funded by the largest global investors
Location: Gurgaon
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
Experience: 2 to 5 years
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