Credit Risk Management A bit about EnKash (www.enkash.com) EnKash, one of the fastest growing financial technology firms in the B2B space, focuses on enabling businesses to digitize and simplify their commercial payments through its state of the art technology platforms. It's comprehensive all-in-one commercial payments platform has led to businesses having a hassle free and frictionless payments experience and thereby, focus on their core business. EnKash, with its unique business solutions, young team and a vibrant work environment has been making formidable marks in this segment. With several banking partners and more than 60000+ businesses onboarded on our platform in a short span, we are poised to grow rapidly from here on. EnKash has also been covered by reputed national and international media and received many accolades and recognition that include: - "Best B2B payment solution provider" in 8th Payments and Cards Award Summit - "Amongst the top Start Ups to watch for " by Inc 42 media A bit about how you as a member of Credit Risk team, can make a difference @ EnKash You will be responsible for designing and building the risk and underwriting infrastructure for the most innovative SME lending/Credit Lines platform in India In this role, you will be instrumental in developing and implementing policies and procedures that reduce the credit risk for the company. You also get an opportunity to manage the building of financial models that predict credit risk exposure to the organization. You may use several strategies in your daily work in order to minimize the risk of financial loss to the company. We bet, you will have a great time doing what you love to and that includes: - Creating the risk and underwriting policies, infrastructure, development and deployment of underwriting models, risk decision strategies and fraud detection - Ability to analyze Financial Statements, Bank statements and other key parameters to check the credit worthiness of Corporates/Anchors - Combine the traditional underwriting with the new age Credit Underwriting methods - Actively drive and own initiatives, which seek to improve policies, procedures and practices impacting the overall Credit process engine and product - Assess the credit profile of the borrower and provide a recommendation with appropriate justifications - Monitoring Portfolio risk and early warning based on well-defined triggers. - Identify the "Right Fit" structure/product and recommend credit limits and outline credit risk exposure - Adhering to the TAT for credit recommendation. Monitor the portfolio and highlight any adverse events. - Continually drive enhancement in existing and new Credit parameters that feed into the Credit decisioning algorithms. - Handling credit underwriting/analysis/appraisal as well as developing the lending norms/rates/policies for SME lending/Credit Lines products You should excel in this role, if you have: - Credit underwriting experience in BFSI domain, with minimum 3 -4 years of experience for appraisal of working capital loans/credit lines to MSME/SME customers. - Worked with financial institutions like banks, NBFCs and preferably fintech companies in the SME lending space. - Well versed with financial statements/financial ratios - Ability to multi task, detail oriented, strong analytical mind - Strong understanding of credit policies and procedures Here's what's in store for you: - A fast-paced, mentally stimulating and fast growth-oriented environment. - No bureaucracy whatsoever, respect for logical and analytical minds. - Witness the venture of entrepreneurship. - Excellent performance bonuses and perks. - Affable and competitive teammates. - Flexible work regime

Metros

EnKash - Manager/Senior Manager - Credit & Risk Management 

EnKash - Manager/Senior Manager - Credit & Risk Management  ,Job Description for EnKash - Manager/Senior Manager - Credit & Risk Management  in EnKash (Nehat Tech Solutions Pvt. Ltd.) in  Metros for (5-15) years of experience. Apply Now!

Job Description for EnKash - Manager/Senior Manager - Credit & Risk Management  in EnKash (Nehat Tech Solutions Pvt. Ltd.) in  Metros for (5-15) years of experience. Apply Now!