Associate Relationship Manager/Credit Analyst

2 weeks ago

Bengaluru Delhi Mumbai NCR, India Credable Full time ₹ 1,04,000 - ₹ 1,30,878 per year

Location: Bangalore/Mumbai/Delhi NCR

Role: ARM/Analyst

About CredAble

CredAble is a technology-powered supply chain funding solutions company and NBFC. Leveraging our trade finance expertise, technology platform, and access to 3rd party capital, we arrange funding programs for enterprise supply chains. Led by a team of industry experts, CredAble is at the forefront of powering tech-enabled working capital financing. Programs are anchored around enterprise clients, where we provide funding linked to transactions with suppliers (payables) and distributors (receivables). Investors in CredAble include Alpha Capital, Oaks an India-focused investment manager investing in consumer- focused and/or disruptive technology-enabled businesses

Role & responsibilities - To assist RMs in the end-to-end process including credit underwriting, monitoring, documentation, sanctioning, meeting the desired portfolio and TAT standards.

Position Responsibilities:

  1. Assist RM/SRM to grow revenues, build asset book and expansion of client base. Support in coverage of startups.
  2. Conducting detailed research on the financial history of businesses and individuals to determine clients creditworthiness.
  3. Appraising prospective clients and preparation of CAN (Credit Appraisal Note) along with financial sheet as per the prescribed format
  4. Monitor clients compliance with credit terms on an ongoing basis; identify and advise early warning signals.
  5. Conduct periodic evaluation to ensure quality of accounts/portfolio.
  6. Appraising industries and lending eco-systems and help in creating innovative lending products
  7. Updating the management team on key developments in the lending space.
  8. Regular interaction with internal stakeholders as well as external stakeholders (clients) to be well informed of the activities related to clients.
  9. Drawing conclusions from available data (both quantitative and qualitative) regarding the creditworthiness the client.

Preferred candidate profile

  1. 2-5 years of experience in a similar role of ARM/Credit underwriting.
  2. Exposure in working capital/supply chain finance lending products
  3. Relevant experience in Banking/NBFC industry.
  4. Ability to crunch data, analyze and present findings from financial statements & data sets
  5. Good working knowledge of Excel and Power point along with ability to present it to senior stakeholders
  6. Ability to manage multiple priorities

Education: CA qualified/ MBA in Finance

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