Vivriti Captial - Credit Manager

Role : Credit Manager / Senior Credit Manager

Location : Bangalore / Gurugram / Chennai

About the Team:

- Credit team facilitates lending to existing & new clients by assessing creditworthiness, monitoring clients' performance on a regular basis, and making suitable recommendations to the credit committees.

- The team is expected to do a deep dive financial analysis of customers, regularly meet / interact with the stakeholders of borrowers, keep regular track of key performance milestones, be cognizant of & follow internal policies & processes, and present findings / recommendations to internal committees in timely & concise manner.

Key Responsibilities:

- Independently prepare comprehensive credit assessment (covering macro-overview, industry/sector, competitor, business, financial and credit analysis) of clients on continuous basis through desk review and on-field diligence and monitoring; keep a close watch on allocated portfolio clients.

- It also includes preparation of detailed proposal notes for internal circulation.

- Able to hold conversations and engage with clients' senior management and present the clients' credit profile to internal team and Credit Committee to support their decision making.

- Follow-up with the sales team, account relationship team and other concerned teams for new sourcing and renewal/review.

- Identifying early warning signs of credit deterioration, joint monitoring of portfolio with account relationship team based on early warning systems.

- Capable of forming a view and suggesting course of action with regards to exposures clients.

- Contribute to various firm-wide projects focused on improving technology, enhancing reporting, regulatory compliance etc.

Qualifications:

- Structured credit/lending or portfolio/credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies.

- Experience in handling due diligence or transaction advisory.

- Be comfortable with numbers, analyzing financial statements, managing, and interpreting data and solving problems to aid in credit underwriting.

- Have excellent report writing and communication skills.

- Possess a good eye for detail and have demonstrated ability to work under tight timelines.

- Be willing to travel extensively pan-India for on-field monitoring of clients.

- Ability to work proactively & independently as well as in a team environment.

- Deadline orientation; organized and responsible; high attention-to-details.

- Proficient in the use of MS Word, Excel and Power Point