Website:
finergytransportfinancelimited.com
Job details:
Company Description Finergy Transport Finance Limited is a registered Non-Banking Financial Company (NBFC) operating under the regulatory framework of the Reserve Bank of India (RBI). Established in 1996, the company focuses on providing affordable finance solutions for two-wheelers, commercial vehicles, and small and medium enterprises (SMEs). Finergy primarily serves semi-urban and rural regions across India, supporting customers who need accessible and reliable credit. The organization emphasizes responsible lending and long-term relationships with its clients, creating opportunities for growth in underserved markets.
Job description:
Reports To: Chief Financial Officer
Location: Chennai, Tamil Nadu (with travel as required)
Employment Type: Full-time
Experience: 1–3 years in an NBFC or Bank
Role purpose:
The role is responsible for end-to-end coordination of the Company's borrowing and fundraising activities — from understanding lender-specific credit and lending parameters, to preparing and presenting data required for due diligence, to managing ongoing investor/lender relationships and covenant compliance post-disbursement. This is a data-intensive, relationship-driven role that sits at the intersection of Finance, Compliance, and Business.
Key Responsibilities:
1. Lender & Investor Data Management
• Understand and track the lending parameters, credit policies, and eligibility norms of Banks, NBFCs, Financial Institutions, and other lenders/investors (e.g., ALM norms, leverage caps, asset quality thresholds, ticket size preferences, security/collateral norms).
• Prepare, compile, and maintain MIS and data packs (portfolio quality, disbursement trends, collection efficiency, NPA/DPD buckets, ALM statements, capital adequacy, borrowing mix) as requested by prospective and existing lenders.
• Coordinate with Business, Credit, Finance, and Accounts teams to source accurate and timely data for due diligence and rating exercises.
• Maintain a repository of standard due diligence documents, data room checklists, and lender-specific formats for quick turnaround.
2. Fundraising Support
• Support the CFO in structuring fundraising proposals — Term Loans, Cash Credit/Working Capital, NCDs, Co-lending/Direct Assignment, and other structured debt instruments.
• Assist in preparation of information memorandums, pitch decks, term sheets, and responses to lender queries.
• Track fundraising pipeline — lenders approached, stage of discussion, sanctioned/disbursed amounts, pending documentation, and renewal timelines.
• Liaise with credit rating agencies, if applicable, for rating assignments and surveillance.
3. Loan Covenant Management
• Maintain a master covenant tracker across all lender facilities (financial covenants, reporting covenants, negative covenants, security creation timelines, insurance/documentation covenants).
• Monitor ongoing compliance with sanctioned terms and conditions; flag potential breaches well in advance and coordinate remedial action with CFO/Management.
• Prepare and submit periodic compliance certificates, stock/asset statements, and other post-disbursement reporting as required under loan/facility agreements.
• Coordinate with the Company Secretarial/Legal function for covenant-related documentation, waivers, or consents required from lenders.
4. Investor/Lender Relationship Management
• Act as a single point of contact for day-to-day communication with lenders/investors on data requests, queries, and reporting.
• Organize and support periodic lender review meetings, site visits, and audits.
• Build and maintain long-term relationships with relationship managers/credit teams of existing and prospective lenders to support future fundraising.
• Keep track of the NBFC funding landscape (co-lending partners, DFI/impact funds, NBFC-focused debt funds) relevant to rural vehicle finance.
Required Qualification & Experience:
• Bachelor's/Master's degree in Finance, Commerce, Economics, or related field (MBA Finance/M.Com preferred; CA/CFA/CMA passed or intermediate is a plus but not required at this level).
• 1–3 years of experience in an NBFC or Bank, ideally in Treasury, Credit/Risk, Loan Operations, or a lender/relationship-facing role.
• Exposure to NBFC borrowing operations, co-lending, or working with bank/lender documentation and data requests will be an advantage.
• Basic working familiarity with RBI regulatory concepts applicable to NBFCs (ALM, capital adequacy, exposure norms) is desirable;
Skills & Competancies:
• Strong command over Excel/financial modeling and data presentation (PowerPoint).
• High attention to detail and accuracy in data preparation.
• Ability to interpret lender covenant clauses and translate them into trackable compliance items.
• Strong written and verbal communication for engaging with lenders/investors.
• Ability to work cross-functionally with Business, Credit, Accounts, and Legal/Secretarial teams.
• Comfortable working in a lean, fast-paced startup-NBFC environment with evolving processes.
Key Performance Indicators (Suggested):
• Turnaround time for lender data requests.
• Number of new lending relationships established/facilities sanctioned.
• Zero instances of covenant breach going unreported/unmanaged.
• Timeliness of periodic compliance certificate submissions.
• Lender satisfaction / relationship continuity (renewal rates).
Share your resume to hrd@finergytransportfinancelimited.com
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