HR at HIVELOOP TECHNOLOGY PRIVATE LIMITED
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Udaan - Underwriter (1-3 yrs)
About udaan:
udaan is a B2B ecommerce platform that brings traders, wholesalers, distributors, retailers, and manufacturers in India on to a single platform. Our goal is to make 'doing business' easy in India & make B2B commerce convenient and efficient.
udaan Capital is the NBFC arm of Udaan & offers credit services to buyers and sellers on and off udaan's B2B ecommerce platform to grow their business further. This space is largely untapped with less than 10% of MSMEs having access to working capital loans from financial institutions. In this way, udaan is uniquely positioned to formalize &scale trade credit.
Learn more about us: https://udaan.com/
Role description:
Function: Credit Sub Function: Seller Side Location: Bangalore Reports to: Head Underwriting Travel Frequency: Minimal
Job Responsibilities
- Deciding trade credit for buyers (lending amount & period)
- Responsible completion of timely credit appraisals
- Adhering to strict TAT for underwriting files
- Maintaining quality of underwriting as per SOP
- Recommending deviation cases to the higher level or approving authority as per delegation matrix
- Vendor Management
KRAs of the role
- Delinquency Management - Maintain lower NPAs
- TAT Management - Strict TAT to be maintained for underwriting files
- Managing Quality of Processing - to maintain quality of underwriting adhering to SOP
- Vendor Management - coordinate with vendors for getting various verification done for customers
Functional Competencies
1. Problem Solving: Resolution of overdue accounts by coordinating with a sales team. Coordination with Operations team for due/ overdue PDD process
2. Stakeholder Management: Meet Customers to understand them better for better credit appraisal
3. Cross-functional integration: Coordinate with sales and operations team for efficient functioning of the entire process
Candidate Profile
- Qualification: CA/MBA Finance/B. Com
- Must have a minimum 1 - 3 years of work experience in SME underwriting for products like Invoice Finance, Business Loans; prior experience in Fintech/NBFCs preferred
- Thorough understanding of SME Financing and Credit processes
- Good at market intelligence, should be able to provide inputs & feedback for policy and process improvement
- Eye for detail/Diligent Personality
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