
SME Credit Underwriter
2 days ago
As a key member of our team, you will play a pivotal role in shaping the future of credit management. Your expertise will be instrumental in driving business growth while maintaining a robust portfolio.
About the Role:
We are seeking an experienced Credit Manager to join our dynamic team. The successful candidate will be responsible for evaluating and underwriting credit proposals, ensuring that our lending activities are aligned with our business objectives.
The ideal candidate will have a strong analytical background, with excellent financial modeling skills and experience in credit risk assessment.
Key Responsibilities:
- Credit Evaluation: Conduct comprehensive credit appraisals and in-depth financial analysis of corporate anchors and their MSME partners (dealers, vendors).
- Risk Management: Prepare detailed Credit Appraisal Memos (CAMs), highlighting key risks, mitigants, and presenting recommendations for sanctioning to senior management and credit committees.
- Policy Development: Assist in the development, implementation, and refinement of credit policies and underwriting frameworks to ensure they are robust and scalable.
- Portfolio Monitoring: Continuously monitor the health of the allocated portfolio, track covenant compliance, and identify early warning signals to mitigate potential risks.
- Stakeholder Collaboration: Work closely with the Business Development, Sales, and Operations teams to ensure seamless deal structuring, documentation, and disbursement while maintaining TAT.
Qualifications & Skills:
- Experience: 2-6 years of proven experience in SME credit underwriting and risk management, preferably within a Bank, NBFC, or a leading Fintech.
- Domain Expertise: Direct experience in underwriting Supply Chain Finance, Dealer Finance, Vendor Finance, or other SME loan products is highly desirable.
- Analytical Prowess: Strong ability to analyze financial statements, crunch numbers, and build financial models to assess creditworthiness.
- Technical Skills: Proficient in MS Office with the ability to present findings clearly to senior stakeholders.
- Mindset: A proactive, detail-oriented individual who can manage multiple priorities and thrive in a fast-paced, dynamic environment.
Education:
- CA (Chartered Accountant) or MBA in Finance from a reputed institution.
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