7 StrideOne Jobs
1-3 years
Bangalore / Bengaluru, Gurgaon / Gurugram
StrideOne - Credit Underwriter - SME (1-3 yrs)
StrideOne
posted 2mon ago
Fixed timing
Key skills for the job
Company Profile:
- StrideOne, the NBFC, has been setup with the vision to be a leading financial institution for Indian startups and their ecosystem providing comprehensive financial services distributed digitally.
- We have a "Product First and Client First" approach and hence customize various financial services to the specific needs of the industry that the start-up operates in. With the vision to build a one-stop financial institution for startups in India, the journey for Stride as a group has only started.
- An organization is built by its people, and we are thus eager to on-board this rocket ship, the BEST out there across verticals. We have a very open and welcoming culture where we invite honest conversations, analytical thinking without the baggage of bias and weight of hierarchy.
- If you're a team player who is passionate about what they do, have an entrepreneurial quotient and would love to join a growing organization - then come and be a part of the Stride Family!
Purpose of the Role:
- This role is part of the Credit Underwriting team, focused on assessing the creditworthiness of SMEs (Small and Medium Enterprises).
- The key responsibility is to ensure accurate risk evaluation and strong portfolio management to minimize potential NPAs (Non-Performing Assets) while optimizing credit decisions in collaboration with cross-functional teams.
Key Responsibilities:
- Credit Evaluation: Evaluate the creditworthiness of SME clients by analyzing financial statements, credit reports, GST reports, and banking checks.
- Risk Assessment: Establish credit limits and terms for customers based on risk assessment, credit policies, and financial data (P&L, Balance Sheets, etc.).
- Cross-Functional Collaboration: Work with Sales, Finance, and Legal teams to enhance credit decision-making and customer management.
- Monitoring & Risk Mitigation: Regularly monitor credit exposure, delinquency rates, and take proactive measures to mitigate potential risks.
- Decision Making: Apply knowledge of Consumer & Commercial Bureau and Supply Chain Finance to improve credit assessment processes.
Profile Requirements:
- Education: Post Graduate (MBA in Finance). CA/CFA (good to have).
- Experience: Experience in SME underwriting in a Bank, NBFC, or Financial Institution.
- Knowledge of Supply Chain Finance and industry trends (Good to Have).
Functional Areas: Accounting/Finance
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