Deputy Unit Manager - Commercial Risk & Underwriting

Credit Analyst for Preparation of Credit Appraisal Memo (CAMs) and underwriting of corporates for Commercial Lending Vertical of Bajaj Finance Ltd

The job role includes analyzing the proposal in details including business model, Industry analysis, financial spreads, projections and risks and mitigants

An effective communicator with the ability to coordinate with internal & external stakeholders & relate to people at all levels of business and management


Preparation of Credit Appraisal Memo s (CAM) covering details of financials, business, industry and management while maintaining quick TATs


Understanding of financials and due diligence process for lending to be carried out as per the Lending programs for Commercial lending division of Bajaj Finance Limited
Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified to ensure NIL delinquency in the Portfolio


Ensure & review that the covenants & conditions as per sanctioned terms are regularly monitored


Monitoring of the end user industries covering the existing and prospective portfolio and identify any early warning signals
Regular tracking of progress on the agreed key metrics towards delivering on the strategy


Track developments in the respective markets and provide feedback to the management team Required Qualifications and Experience
Educational Qualifications
a) Qualifications
CA/MBA in Finance
b) Work Experience
a) Minimum 2 years in the Corporate Lending industry, preferably with a reputed Bank / NBFC


b) Exposure in u/w for Corporate Clients would be preferred