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
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