Associate/Senior Associate - Credit & Risk

Associate / Sr. Associate - Credit & Risk - Chennai

About the team and role:

Be a member of Credit; Anchor Onboarding team at Vivriti Capital Private Limted. Role would include Onboarding and monitoring of NBFC's/Fintech's/Corporates supply chain or co-lending partnerships

Primary Responsibilities:

- Client Onboarding for Co-lending & Supply Chain Anchors

- Conduct detailed credit due diligences on NBFC's/Fintech's/Mid-Large Size Corporates, prepare credit reports, seek approvals from Credit Committee for Co-lending program/Supply Chain Anchor program

- Seek, analyze, and structure data provided by clients

- Evaluating business models, meetings with CXO's/Senior management of companies and thorough field diligence (HO/CO/Branches/Factory/Dealer/Vendor visits)

- Evaluate feasibility of program through co-ordination across multiple teams (internal/external), recommending product structures, limits & recourse requirement basis loss estimation.

- Prepare insightful credit report for presentation to Credit Committee with cogent recommendations

- Taking partnerships live: continuous engagement with client, finalizing process flow and transaction documents.

Post Go-live:

- Identifying early warning signs of credit deterioration

- Credit monitoring, field visit, management meetings, calls.

- Regular Updates to Credit Committee ; Anchor updates, portfolio insights, etc.

- Impact assessment of regulation on sector/programs

- Suggestions on limits, structure, new product introduction, portfolio Rebalancing, etc

Desired Skills & Experience:

- Experience of NBFC underwriting/corporate underwriting for Supply Chain Anchors or

- Experience of appraising working capital loans/Supply Chain finance cases or

- Credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies or

- Ability to interact with promoters/CXOs and glean information through physical discussions.

- Be willing to travel extensively pan-India for on-field monitoring of clients

- Possess a good eye for detail and have demonstrated ability to work under pressure.

- Be brilliant with numbers, analyzing financial statements, managing and interpreting data and solving problems; to aid in taking decision to onboard.

- Have excellent report writing skills

- Be as ambitious as we are, and hence be willing to go out of her / his way to burn the midnight oil to meet targets and deadlines