Lendingkart - Credit Manager - Credit & Operations

About Lendingkart :

- Lendingkart is one of the leading fintech firms in the Indian lending space, which is expected to cross $1 trillion by 2020. It has raised $42Mn (till Series B) from top tier global VC/PE firms - Bertelsmann (Pepperfry, Saavn, Udacity, Treebo), Mayfield Fund (Simplilearn, Indiaproperty.com, Knowlarity, Bharatmatrimony.com ), India Quotient (Iimjobs, Roposo, Prettysecrets) and Saama Capital (Snapdeal, Chai point, Paytm, Tutor Vista), to name a few.

- We operate as a digital lending platform that facilitates working capital financing for entrepreneurs and small businesses in India through our network of affiliated lending partners. We have developed a technology platform powered by machine learning algorithms which use big data to help its affiliate lenders evaluate borrower's credit worthiness.

- We aim to make working capital finance available at the fingertips of entrepreneurs, so that they can focus on business instead of worrying about the gaps in their cash-flows. Customers can apply for a loan using the web or mobile applications at their convenience and receive their sanctioned loans in as less as 1-3 days anywhere in the country.

Job Description:

- End to end review of the Credit & Operation process

- In depth financial analysis to gauge credit worthiness of the borrower and preparation of CMA data including interpretations of key ratios and analysis of cash flow statement.

- Involved in designing and implementing credit policies and control mechanisms to review credit deviations and take corrective actions and ensure timely reporting to Underwriting / Risk in the event of any deviations or non-compliance

- Adherence to all regulatory, statutory and corporate compliance standards and audit requirements

- Ensure adherence with SLAs for high levels of customer service delivery

- Ensure appropriate Quality Control processes are implemented for assessing performance quality as per benchmarks

- Interacting with Analytics as well as Technology Departments and ensure data-flow, data-integrations are implemented in the most efficient and timely manner

- Monthly MIS reporting for the Operations and close monitoring of the performance metrics

- Designing of matrix to measure productivity and assisting the team with other ad-hoc research

Requirements:

- Experience Required: 2+ years of hands on Banking / NBFC experience

- Education: MBA Finance/CA

- Strong analytical and quantitative background

- Person with an eye for details and controls

- Interpersonal skills, with strong written and oral communication

Location: Ahmedabad