About the Company : Arthmate is changing the traditional lending models across the spectrum of Business Lending, Group Lending and P2P financing products. Role Brief : The key responsibility of this role is to oversee and supervise the company's lending process, from evaluating customer creditworthiness in compliance to credit parameters and policy of the Company. Job Responsibility : - Assessing credit risk for Secured and Unsecured Loan. - Conduct Financial Analysis and proposal appraisal of salaried and self-employed borrowers. - Assess income to obligation ratios, loan to value ratios, in-depth knowledge of rationale behind calculation of ratios and its impact on loan performance over long tenures. - Ensure that complete process and credit policy adherence has been followed by the sourcing team while on boarding a client/group/center into company. - Ensure that the deviations are recorded and reported to credit head for appropriate approval, as applicable. - Liaise internally with the front end team for partner on-boarding. - Responsible for end-to-end analysis of 'Financial Documents'. - Manage 'Portfolio Movement' on a month-on-month and report observations to the Management 'Leadership team. - Present 'DPD-Analysis' on a month-on-month basis to Management 'Leadership team - Provide Market intelligence from a competition and customer standpoint and suggest Policy revisions in line with changing market conditions. - Recommendations on new processes & fraud Control initiative etc - Coordinate with internal stake-holders (Legal, Compliance, F&A, HR, etc.) Desired candidate profile (Education, Work-Experience, Skills) : - Min. Qualification : Graduate / Post Graduate-MBA in Finance or CA / CA-Inter (IPCC Pass) certification. - Min. 5+ years work-experience in Banking or NBFC as a 'Credit Manager'. - Should have in depth understanding and analysis of P&L Account and Balance Sheet including cash flows of self-employed borrowers. - Prior knowledge of 'Credit Underwriting' and 'negative profiling' will be an added advantage - Must be self-motivated and willing to work in a start-up.

Gurgaon/Gurugram

Arthmate - Credit Manager 

Arthmate - Credit Manager  ,Job Description for Arthmate - Credit Manager  in Arthmate Private Limited in  Gurgaon/Gurugram for (5-10) years of experience. Apply Now!

Job Description for Arthmate - Credit Manager  in Arthmate Private Limited in  Gurgaon/Gurugram for (5-10) years of experience. Apply Now!