Underwriting (Credit Risk & Banking)

3 days ago

Mumbai, India Drip Capital Full time

**About The Team**:
An integral part of Drip’s finance business is to make contact with buyers (or importers), run verifications and confirmations as required by our Risk policy, to on-board them to our system and build a long-term relationship for future business opportunity.

**Position Expectations**:

- Create, review, and maintain complex credit policies that improve the underwriting process while mitigating potential risks
- Innovate on the existing framework to allow for high, continued scalability.
- Maintain strong working knowledge of the company's policies and procedures and identify exceptions to policy with potential resolutions.
- Responsible for the entire lifecycle of underwriting factoring transactions from pre-clearing, due diligence, approval, and funding, to post-close monitoring, including:

- Identify, collect, and complete an in-depth analysis of all documents necessary in transaction requests.
- Verify and evaluate prospect's legal structure, financial statements, collateral, accounts receivables aging, permits, lien waivers, or other credit data.
- Rate the degree of risk involved, make a credit decision and develop the optimal factoring package for each transaction.
- Manage signing and funding of the transaction agreement with all parties, and any necessary post-close line items, including acting on behalf of the servicing and collections team as needed.
- Build and monitor credit transaction KPIs on a regular basis to ensure portfolio performance.
- Analyze portfolio to continuously monitor concentration risks.
- Contribute to regular discussions with internal teams to create a strong collaborative environment and align proper expectations and usage of credit.

**Checklist**
- **Experience**: 6-8 Years of experience in underwriting/ credit risk underwriting in Banks or Financial institutions
- **Education**: MBA in Finance/ or equivalent Post Graduation degree, CA
- **Core Competencies**: Strong communication and stakeholder management, Deep Dive and strong execution skills.

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