Senior Credit Analyst - FinTech

Senior Credit Analyst - Fintech/Finance

What We Can Offer You:

- Young and fast-growing company with a healthy work-life balance

- Great culture based on the following core values

- Courage

- Transparency

- Ownership

- Commitment

- Celebration

- Lean structure and no micromanaging. You get to own your work

- The company just turned one so you get a seat on a rocketship that's just taking off!

- High focus on Learning & Development and monetary support for relevant upskilling

- Competitive compensation along with equity ownership for wealth creation

What You'll Do:

- Evaluating the creditworthiness of potential leasing and financing partners

- Risk assessment of potential and existing partners, based on research and evaluation of financial, operational and other parameters

- Discuss the outcome of the credit evaluation process for every new / existing partner with the Credit Committee, Investor Committee. Highlight observations, red flags and key issues along with the decision rationale.

- Prepare detailed credit memo comprising business overview, deal summary, key observations, red flags and decision rationale based on credit evaluation conducted on the leasing/ inventory financing partner

- Evaluate timely collections from existing partners by tracking and collating information from different departments and highlighting cases of delayed payments to the BD team

- Monitor portfolio of existing partners periodically based on their most recent financial and operational information

- Perform ad hoc analysis and projects as requested depending on the needs of the business

- Work with the external aggregator platforms to develop and build relation with them and to evaluate deals routed to us by such other aggregator / financing platforms

- Continuously develop and polish skills useful for the role by attending trainings, informative webinars etc.

- We are looking for an experienced CA / MBA with 2 to 5 years of experience in the field of Credit evaluation / Financial analysis / Portfolio Monitoring.

Your Superpowers:

- Chartered accountancy / MBA with 2+ years of relevant post-qualification experience.

- Experience in analysing financial information such as financial statements, MIS, operational KPIs, etc. including but not limited to analysis based on financial ratios.

- Excellent verbal and written communication abilities across all level of an organization

- Dedicated individual with a zeal to drive and achieve results

- Advanced Microsoft Excel skills. Experience with other financial systems