Manager/Senior Manager - Credit Risk (Underwriting)

Experience 5+ Years

Location: Mumbai (Corporate Office)

Overview of the Job:

We are looking for a credit risk professional with excellent communication who will be joining a

dynamic and fast-paced environment. As part of your role, you will be working with cross-functional teams and build ongoing relationships that will also deliver the companys vision and strategy.

Overview of the Function: The Credit team is responsible for detailed risk evaluation of clients and discussion with management/bankers of borrowers, preparation of CAN (Credit Appraisal Note), discussion with internal stakeholders, and ongoing account monitoring.

Best things about the job:

• Working in a highly entrepreneurial setup with a visionary team passionate to help scale new
  heights of business success.
• Exposure to exploring limitless possibilities and ideas no matter how impossible they may seem today.
• CredAble thrives on transparency and a culture to nurture growth.
• Being part of CredAble enables you to push beyond the ordinary.

Your Role at CredAble

• Conducting detailed research on the financial history of businesses and individuals to determine clients creditworthiness.
• Appraising prospective clients and preparation of CAN (Credit Appraisal Note) along with financial sheet as per the prescribed format
• Monitor clients’ compliance with credit terms on an ongoing basis; identify and advise early warning signals. Conduct periodic evaluation to ensure quality of accounts/portfolio.
• Appraising industries and lending eco-systems and help in creating innovative lending products
• Updating the management team on key developments in the lending space.
• Conducting detailed research on the financial history of businesses and individuals to determine their creditworthiness.
• Regular interaction with internal stakeholders (RM/Ops etc.) to be well informed of the activities related to clients
• Drawing conclusions from available data (both quantitative and qualitative) regarding the
  creditworthiness the client.
• Identify early signs of stress in any account by continuously monitoring both external and internal reports/triggers. Engage with stakeholders for flagging of risk pertaining to borrowers which are proposed to be included in EWS.

What will you bring to CredAble?

• 5 years of experience post qualification.
• Experience working in Banks ,NBFC’s
• Ability to crunch data, analyze and present findings from financial statements & data sets
• Good working knowledge of Excel and Power point along with ability to present it to senior
  stakeholders
• Ability to manage multiple priorities
• Skilled at working effectively with cross functional teams in a matrix organization
• Structured and ability to think on his/her feet.

Education: CA qualified/ MBA Financ