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**Who we are**:
Vivriti is a young, dynamic, and spirited institution that boasts of a large appetite for success through its vision of creating the largest and most valuable platform for enterprise finance. The word ‘Vivriti’ means progress or development and speaks volumes about our passion to continuously strive for results that add value to our ecosystem. At Vivriti, we are mission driven, challenging the status quo each day, reinventing the Indian mid-market debt market space, and creating an industry in itself.

Over the last five years, the group that consists of two companies - Vivriti Capital, a unique enterprise fintech NBFC, and Vivriti Asset Management, India’s fastest growing digital alternate debt fund manager, has built significantly on its vision. Vivriti presently manages assets in excess of US$ 800 Mn, has offices in Chennai, Mumbai, Bangalore, Delhi and Jaipur, and consists of a high-powered team of 170+.

**Why Join Us?**

We are a high energy and supremely passionate bunch of individuals. This is a diverse group of people, who would be best in what they do, are diverse and inclusive, are collaborative and extremely hardworking. Indeed, a very inspiring peer group. This is a team with a shared goal of reshaping the Indian mid-market enterprise debt market and change lives of millions of people through our work.

We have a keen eye for great talent, have an appreciation for potential, and an environment which facilitates hyper-performance. Vivriti is known to present a platform to excel for those who have a desire to reach great heights in their career. We nurture our team with great care, encourage ambition, are compassionate in your failures and cheer your successes. We’re proud of our collaborative culture; 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. High Performance fetches non-linear Rewards. In addition to the fixed component and variable pay, we ensure long term wealth creation for our critical employees through employee stock options.

We invest in our employees through developmental programs, Professional Development Allowances and Education Grants.

Our Benefits are better than the best. To list a few below
- Medical Care, Life and Personal Accident Insurance, Critical illness cover

Interest free loans of up to INR 10 Lacs, with no questions asked

Promoting health and wellness at the office with a well-equipped gymnasium, indoor sports facilities and recreation room. Motivating through regular fitness challenges and sports events and leagues.

Caring for your health with nutritious food, fruits served round the clock, variety of beverages, etc.

Ensuring maximum fun environment through Vivriti Premier League - a cross-team collaboration championship challenge, which is a 10-month long series of sporting contests, recreation activities on the floor, cultural celebrations, etc.

**About the role**:
The risk team is responsible for overall risk framework and strategy for the organization. The team develops various risk models, arrives at various sector reports from a risk perspective and provides in depth analysis and recommendation around risk profiles of various clients.

As the organization is embarking on the Retail journey, with greater geographical footprint of the clients, and lower average ticket size, the number of clients shall increase exponentially.

The Risk team shall have the role cut out in terms of robust diligence, analysis, faster TAT and ensuring nil delinquencies. Track record in

1. Credit appraisal or approval of Supply Chain Finance cases (Dealer/ Vendor) and SMEs as well as excellent knowledge of target industries channel’s behaviour

2. Experience in SCF Collections including process/ policy/ framework and implementation

**Key Responsibilities**:

- Assessment & mitigation of risk in Anchor led business by thoroughly analysing the financials, business model, banking, hygiene checks on dealers and vendors.
- Monitoring of SCF book and Collections: Setting up of framework for monitoring and collections and implementing the same.
- Meeting the dealers and vendors, inspection of units, factories and go-downs for underwriting and assessment of their needs.
- Ensure credit process and credit policy is implemented while approving and recommending supply chain cases.
- Engaging with Business team for Anchor level assessment, program features.
- Maintain TAT while Responsible for underwriting supply chain finance business.
- Taking reference checks from market for dealers and suppliers.
- Monitoring escrow churns/credits.
- Tech build out/ credit filter coding.
- Periodical/Annual review of existing cases.
- Portfolio Hygiene, manage periodic Stock Audits, follow up for PDDs, insurance and escrow arrangements.
- Providing inputs on building internal Controls and credit risk and underwriting programs for Supply chain finance
- Tracking next due payments th