About Jai Kisan: Jai Kisan was founded with the vision of making financial inclusion a reality for rural individuals and businesses. Jai Kisan today provides digital financial services starting with credit for online and offline, income generating, rural commerce transactions. Informal credit by the merchant or seller is an expectation for customers and not a value-added service in rural India. Lack of formalized credit poses a dire and imperative challenge for rural businesses to grow. Jai Kisan has leveraged the captive relationship between the business and the farmer and rural individuals in a B2B2C manner to deploy credit to farmers and rural individuals in a sustainable manner working with 700+ organized and unorganized entities in the space with a cumulative customer base of over 1.5 lakh rural individuals including farmers. Jai Kisan has raised $4mn in pre series A (2020) and $30mn in series A funding (2021) led by marquee institutional financial investors (Mirae Asset, Blume and Arkam, amongst others) and strategic investors (Nabard and Syngenta). The Jai Kisan team is dedicated towards executing our mission and is passionate towards supporting the transformation of rural India. Entrepreneurism and passion with a drive for results are core values we seek in every member of our team. Our team comes with a varied industry experience from private equity to management consultancy to capital markets, working towards building a franchise that delivers sustainable financing to rural India. Job Description: You will report to the Head of Operations. Your responsibilities will include evaluating the financials of potential customers, monitoring existing clients, performing risk assessments, determining credit worthiness of applicants, writing detailed reports, managing credit and operations analysts/ associates, and making informed decisions while extending credit. You will also be responsible for lender management and presenting proposals to the lender. Key Responsibilities: - Coordination with relevant stakeholders and ensure alignment of objectives - Comprehensive analysis of credit proposals, business, operations, financial statements, performance, projections and other information to assess the credit worthiness of the entity. - Discuss with the key management personnel of the entities being rated to understand their strategy, background, business model and risks. - Preparation of credit notes and presentation of proposals to the Lender to ensure successful and quick sanctions from the Lender partners. - Ensure adherence to the terms and conditions of each Lender. - Oversee the entire borrower journey from when the proposal is received to disbursement of the loans. - Additionally, periodically review the performance of each customer. - To facilitate quick turnaround of credit lending proposals in close liaison with the credit analysts, sales teams and Lenders. - To undertake necessary steps for risk mitigation, when required, while ensuring adherence to legal & documentation norms & policies and highlight credit risks and mitigating actions to facilitate decision making by relevant approving authorities. - Structuring of financial products when necessary in close coordination with the Lender based on the requirements of the applicants. - Lender wise mapping for portfolio diversification and profitability based on the requirements of the borrowers and products offered by each Lender. - Monitor portfolio quality on an ongoing basis and dynamically update credit views on counterparties, sectors and other risks. - Identification of Early Warning Signals for signs of stress in portfolio companies and working with business team in devising appropriate mitigation strategies, wherever required. Ensuring understanding of the risks and opportunities for each credit exposure across the Portfolio. - Assist in the preparation & implementation of new product programs - Employ tools such as automation and digitization to increase process efficiency by coordinating with operations, product and tech teams. - Leading and managing a team of analysts and associates in credit and operations. Responsible for all activities of the entire team. - Team & account management would include, but not limited to, staffing, talent retention, training & development of the team, coaching, sharing of best practices, providing feedback, appraisal management, etc. - Prepare, track and present regular MIS on portfolio performance. Competencies: - Good Analytical, Organizational and Communication skills - Ability to identify, analyze, condense, and articulate complicated ideas and findings clearly and succinctly - Strong stakeholder (internal and external) management abilities. - Good problem solving abilities - Ability to work under pressure in a high churning environment and deliver quality output on time. You can work well in collaborative environments and can perform individually when required. - You have solid grasp of financial analysis. - Strong team-working skills. Qualifications: - CA or MBA in Finance from a premier Institute - 3-5 years of experience in credit evaluation or fixed income fundamental research with Banks/NBFC/Startups/Credit rating agency/Mutual Funds/Insurance companies. - Experience in conducting Credit Assessment of business loans in Banks/NBFC/Fin-tech will be an added advantage.

Mumbai

Jai Kisan - Senior Credit Manager 

Jai Kisan - Senior Credit Manager  ,Job Description for Jai Kisan - Senior Credit Manager  in Jai Kisan in  Mumbai for (3-5) years of experience. Apply Now!

Job Description for Jai Kisan - Senior Credit Manager  in Jai Kisan in  Mumbai for (3-5) years of experience. Apply Now!