Indifi - Manager - Underwriting

Responsibilities:

- Assessment of borrower's credit worthiness through a thorough analysis of industry segment, business model, financial statements, monthly MIS, etc.

- Analysis of cash flow statement, cash flow projections, EBIDTA sensitivity analysis.

- Discuss with customers to structure transactions by way of credit enhancements, stipulate financial and other covenants.

- Personal discussions with Founders/ Promoters & CFO to understand the current business model, fund raising plans, growth plans, etc.

- Benchmark borrower's financial performance across competitors and industry benchmarks.

- Secondary research to gather additional information about the background of management and the borrower.

- Regular review of the covenants and portfolio performance and suggest corrective action, including working with the customer to resolve any delinquency.

- Coordinating with Sales, Operation, Legal, Technology and Customer Service team effectively.

- Ensuring adherence to the internal credit policy, RBI guidelines and guidelines specific to NBFC.

Skills required:

- Keen interest towards tech driven new age/ alternate data-based credit decision process.

- Knowledge of various products such as business loan, line of credit, dropline OD, etc. will be an added advantage.

- Strong knowledge of financial statement analysis, general accounting, cash flows, financial ratios, etc.

- Critical thinker with strong decision-making ability, excellent written and verbal communication.

- Demonstrated capabilities towards multiple stakeholder management.

- Knowledge of drafting curated sanction letters and loan agreements will be an added advantage.