Credit Operations

4 days ago

Bengaluru, India Ninjacart Full time

**About Ninjacart**

Ninjacart is India's leading agri-platform, which leverages technology and data to organize the agri-commerce ecosystem. Over the last 6 years, our made-for-India technology and India-centric solutions have disrupted the way fruits and vegetables move from farms to consumers’ plates. We empower farmers and other players in the ecosystem in ways never done before.
- Ninjacart aims to be the digital network for global agri commerce that solves structural problems such as information asymmetry, payment hassles, distribution inefficiency, and discovering new buyers and sellers with tech-first solutions.
- Ninjacart has raised over $350mn from Walmart Group, Tiger Global, Accel US, Accel India, Syngenta, and others. We are one of the top 25 startups to work for, according to LinkedIn.
- We are a highly motivated, results-driven community, who focus on proactive approaches to problem-solving. We cherish entrepreneurial spirit and provide significant operating autonomy to senior leaders. There are ample opportunities and challenges to be solved at scale and in real time.

**Location: Bangalore, KA, IN**

**About the role**:
The credit operations executive will work along with Credit Manager to underwrite the customers who have applied for trade finance and lending programs of Ninjacart.

1) Verify borrowers' repayment track records, review credit bureau reports, and ascertain their creditworthiness.
- 2) Perform analysis of the financial statements, cash flow analysis & bank statements, and preparation of Customer Assessment Memo.
- 3)Underwriting of proposals with adherence to company policies & procedures.
- 4)Perform basic analytics and MIS reporting to various stakeholders.

5)Monitor and enforce approval rate and TAT as per prescribed standards.

**Required Skills**:
1) Graduate Degree (additional qualification of CA / MBA shall be preferred).
- 2) Should have at least 2 years of experience with a bank or NBFC in Trade Finance or Credit Underwriting of Business Loans & and a basic understanding of trade finance.
- 3) Should possess knowledge of banking and financial parameters of a prospective borrower.
- 4)Should have good analytical skills combined with an open and curious mindset.
- 5)Ability to get the job done and deliver results within a time frame.

6)Organized and result-orientation; good time management and interpersonal skills.

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