Credit Manager - Anchor Credit

About The Team And Role

Be a member of Credit- Anchor Onboarding team at Vivriti Capital Private Limited. Role would include Onboarding and monitoring of NBFC’s/Fintech’s for lending partnerships.

Primary Responsibilities

Client Onboarding for joint lending on retail loans

• Conduct detailed credit due diligences on NBFC’s/Fintech’, prepare credit reports, seek approvals from Credit Committee for lending program.
• Seek, analyse, and structure data provided by clients.
• Evaluating business models, meetings with CXO’s/Senior management of companies and thorough field diligence (HO/CO/Branches/Vendor visits)
• Evaluate feasibility of program through co-ordination across multiple teams (internal/external), recommending product structures, limits & recourse requirement basis loss estimation.
• Prepare insightful credit report for presentation to Credit Committee with cogent recommendations.
• Taking partnerships live, continuous engagement with client, finalizing process flow and transaction documents.
  
  

Post Go-live

• Identifying early warning signs of credit deterioration
• Credit monitoring, field visit, management meetings, calls.
• Regular Updates to Credit Committee – Anchor updates, portfolio insights, etc.
• Impact assessment of regulation on sector/programs
• Suggestions on limits, structure, new product introduction, portfolio Rebalancing, etc
  
  

Desired Skills & Experience

• Ability to interact with promoters/CXOs and glean information through physical discussions.
• Be willing to travel extensively pan-India for on-field monitoring of clients.
• Possess a good eye for detail and have demonstrated ability to work under pressure.
• Be brilliant with numbers, analysing financial statements, managing and interpreting data and solving problems - to aid in taking decision to onboard.
• Have excellent report writing skills.
• Be as ambitious as we are, and hence be willing to go out of her / his way to burn the midnight oil to meet targets and deadlines.
• Experience of NBFC underwriting or Credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies would be preferred.
  
  

Work Environment Details

• Founder-led entrepreneurial set-up, which is defined by speed, agility and creativity.
• Highly empowered and critical role, which makes a difference to Vivriti Capital
• Young, energetic, and highly talented Teams
• Hard work is the defining aspect of the organization.
  
  

Location – Chennai/ Mumbai / Delhi

Mode of Work: W ork from office

Vivriti Capital Private Limited