Financial Risk Specialist

12 hours ago

Mumbai, Maharashtra, India beBeeCredit Full time ₹ 7,20,000 - ₹ 10,56,000
Job Title: Credit Manager

At the core of our business lies a crucial position - that of a Credit Manager. This role is pivotal in driving credit evaluation and risk management, both for our internal Non-Banking Financial Company (NBFC) and lending partners.

The Credit Manager will play a critical part in our risk management framework, responsible for evaluating and underwriting credit proposals for our diverse supply chain finance programs. With a keen eye on balancing rapid business growth with the maintenance of a healthy and robust portfolio, this individual will directly contribute to our sustainable success.

Key Responsibilities:

  • Credit Underwriting: Conduct comprehensive credit appraisals and in-depth financial analysis of corporate anchors and their MSME partners (dealers, vendors).
  • Risk Assessment: Prepare detailed Credit Appraisal Memos (CAMs), highlighting key risks, mitigants, and presenting recommendations for sanctioning to senior management and credit committees.
  • Policy & Process: Assist in the development, implementation, and refinement of credit policies and underwriting frameworks to ensure they are robust and scalable.
  • Portfolio Management: 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.
  • Industry Analysis: Stay updated on industry trends, economic indicators, and regulatory changes to inform credit decisions and strategy.

Requirements:

  • 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 reputable institution.

Why Choose This Role?

This position offers a unique opportunity to make a tangible impact on India's MSME sector by driving credit decisions and risk management. If you are driven to solve complex financial challenges and possess the necessary skills and expertise, join us as a Credit Manager.

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