Senior Credit Assessment Specialist

3 weeks ago

Bengaluru, Karnataka, India Vivriti Capital Full time

Discover a challenging and rewarding career opportunity at Vivriti Capital, a pioneering fintech NBFC. We are seeking an experienced Credit Manager to join our dynamic team in Bangalore, Delhi, or Chennai.

About the Role

This is an exceptional chance to leverage your skills and expertise in credit assessment, risk management, and financial analysis to drive business growth and success. As a Credit Manager, you will be responsible for assessing creditworthiness, monitoring clients' performance, and making recommendations to internal committees.

You will work closely with the sales team, account relationship team, and other concerned teams to identify early warning signs of credit deterioration and jointly monitor portfolio performance. Your role will involve forming views on client exposures and suggesting courses of action. You will also contribute to various firm-wide projects focused on improving technology, enhancing reporting, regulatory compliance, and more.

About Vivriti Capital

Vivriti Capital is a young, dynamic, and spirited institution dedicated to creating the largest and most valuable platform for enterprise finance. Our vision is to reshape the Indian debt market space and create an industry leader. At Vivriti, we are mission-driven, challenging the status quo each day, and committed to nurturing our talent with great care, encouraging ambition, and providing opportunities for long-term wealth creation.

Why Join Us?

We offer a collaborative culture where everyone is ready to lend a helping hand, whether it's your first day on the job or your thousandth. Our Rewards mechanisms are aggressive, with high-performance fetching non-linear Rewards. In addition to fixed and variable pay, we ensure long-term wealth creation for critical employees through employee stock options. We invest in our employees through developmental programs, Professional Development Allowances, and Education Grants.

Key Responsibilities:
  • Independently prepare comprehensive credit assessments (macro-overview, industry/sector, competitor, business, financial, and credit analysis) of clients on a continuous basis through desk review and on-field diligence and monitoring.
  • Presentation of detailed proposal notes for internal circulation and engagement with clients' senior management to present their credit profiles to internal teams and Credit Committee.
  • Follow-up with sales teams, account relationship teams, and other concerned teams for new sourcing and renewal/review, identifying early warning signs of credit deterioration and joint monitoring of portfolio performance based on early warning systems.
  • Forming views on client exposures and suggesting courses of action.
  • Contribution to firm-wide projects focused on improving technology, enhancing reporting, regulatory compliance, etc.
Required Skills and Qualifications:
  • CA Fresher (2024) / 1+ years of relevant credit assessment experience in corporates.
  • Structured credit/lending or portfolio/credit monitoring teams of Banks/NBFCs/PE/Debt funds/Rating agencies.
  • Experience in handling due diligence or transaction advisory.
  • Comfortable with numbers, analyzing financial statements, managing, and interpreting data and solving problems to aid in credit underwriting.
  • Excellent report writing and communication skills.
  • Good eye for detail and demonstrated ability to work under tight timelines.
  • Willingness to travel extensively pan-India for on-field monitoring of clients.
  • Ability to work proactively & independently as well as in a team environment.
  • Deadline orientation; organized and responsible; high attention-to-details.
  • Proficient in MS Word, Excel, and PowerPoint.

Estimated salary: ₹8,50,000 - ₹14,00,000 per annum. This estimate is based on the location, job description, and required skills and qualifications.

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