Enterprise Credit Manager

3 days ago


Mumbai, Maharashtra, India Vivriti Capital Full time

About the Role

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You will be responsible for overseeing comprehensive credit appraisal, underwriting, and approval of emerging and mid-corporate clients for supply chain finance products. This includes managing a team of credit underwriters and processing associates, reviewing and managing SCF anchors, and identifying potential credit risks within loan applications.

Key Responsibilities

  • Develop a detailed understanding of business models, credit risk, and working capital assessment for various industries.
  • Evaluate collateral, financial statements, credit history, and other relevant factors to assess creditworthiness.
  • Perform field visits, promoter discussions, and presentations to credit committees as required.
  • Review, screen, and allocate cases to CPAs and credit managers, tracking overall credit pipelines.
  • Engage with the business team on case logins, approvals, and structuring, monitoring active customers through periodic reviews and covenant tracking.
  • Propose changes to credit policy, processes, and loan origination systems to improve underwriting and monitoring processes.
  • Make decisions on proposals, review and rate credit managers and CPAs, and structure supply chain finance products with clients.

Requirements

  • MBA/CA with 6-10 years of experience in mid-corporate, emerging corporate, medium & large enterprises lending, preferably with WCDL/CC/SWF/Term Loan from NBFCs or banks.
  • Experience assessing credit worthiness based on qualitative and quantitative factors, reviewing portfolios in accordance with industry scenarios and RBI circulars.
  • Ability to communicate, present, and influence all levels of the organization, including executive and C-levels, with strong business acumen and problem-solving approach.

About Us

Vivriti Capital is a dynamic institution driven by speed, agility, and creativity, offering a highly empowered and critical role that makes a difference in the enterprise finance space. We boast a young, energetic, and talented team, with a focus on continuous growth and development.

Why Join Us?

We're a high-energy, passionate bunch of individuals who value diversity, inclusivity, collaboration, and hyper-performance. Our rewards mechanisms are aggressive, with non-linear benefits for high performers, including employee stock options, professional development allowances, and education grants. Our benefits package includes medical care, life insurance, personal accident coverage, interest-free loans, and a fun environment through sports leagues, recreation activities, and cultural celebrations.



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