Avp Credit

3 days ago

Bengaluru, India Kredx Full time

Company Description

Job Description - AVP-Credit Risk

Company
- KredX

Position
- AVP-Credit Risk

Experience
- 8-12 yrs

Work Location
- Bangalore

Key Responsibilities:

- The key responsibilities shall focus on the following:

- Frame credit policies and set up operational flow by working in close coordination with the legal

team.
- Develop models for assigning credit limits, calculating discounting rates and tenures.
- Review all credit proposals, process information, perform credit investigations and

approve/disapprove cases.
- Review status of delinquent accounts on a daily basis. Coordinate with the legal team on recovery

efforts.
- Review and recommend accounts to be charged-off, prepare applicable reports and notify credit

bureau/other authorities.
- Develop credit scoring models to predict risks and manage the portfolio effectively.
- Negotiate discounting terms and other terms and conditions with the clients.
- Monitor payments from the Enterprises highlight anomalies in the observed cashflow.
- Work closely with internal audit to plug any loophole in management of overall risk, both from

operations as well as credit side.

**Requirements**:

- Should have hands on experience in credit underwriting in the initial years of their career
- Should have worked on developing credit policy framework of different secured/unsecured

products
- Should have the experience to liaise with legal and operations team on product development

and setting up the process
- Should have an overall work experience of at least 10 years in banks/financial

institutions/fintechs
- Should be able to work in fast paced unstructured environment and handle pressure
- Excellent communication skills, both written and verbal
- Should be good with excel, word and powerpoint
- International trade finance experience is desirable but not mandatory
- MBA (Finance)/CA is desirable but not mandatory

Best Wishes

Additional Information

Compensation - Best in the Industry

**Why us?**:

- While we offer competitive cash compensation along with ESOPs to participate in our long-term growth, the real upside is simply the challenge ahead and the awesome, friendly team by your side. And an opportunity to learn and grow at a breakneck speed as we redefine the contours of finance for SMEs in India.

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