Avp Risk- Institutional

**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 team and Role**:
Risk team will be analyzing the financial statements and assessment of credit requests, including new requests, changed requests, refinancing, annual due diligence and also provide recommendations tied to analysis and assessment of credit risk. Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay.

**Primary Responsibilities**:

- Analyze financial and business risk for financial institutions/ Corporates and provide accurate update on their overall business model from a risk perspective.
- Be brilliant with numbers, analysing financial statements, interpreting data and solving problems. Understand the balance sheet and analyse financial statements.
- Participate in due-diligence and analysis, preparation of credit proposals, undertaking market research and presenting to the management.
- Experience in developing risk score card/risk score models would be an added advantage.
- Experience in conducting due diligence in various sectors like retail, manufacturing, Hospitality, Food and beverage, financial sector will be required.
- Make sense of global markets and macros - economic analysis, drivers, what regulators do.
- Assess the credit risks and suggest suitable risk mitigants.
- Present and provide recommendations to credit committee around risk portfolio of the clients based on multiple aspects.
- Help Stitch and execute a deal where necessary with the client solutions team.
- Manage and influence internal as well as external stakeholders.

**Required**
**Skill**
- Possess 6-10 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.
- Be brilliant with numbers, analyzing financial statements, managing, and interpreting data and solving problems - to aid in credit underwriting
- Have excellent report writing and co