Manager - Underwriting

Responsibilities-

• Assessment of borrowers credit worthiness through a thorough analysis of industry segment, business model, financial statements, monthly MIS, etc.
• Analysis of cash flow statement, cash flow projections, EBIDTA sensitivity analysis.
• Discuss with customers to structure transactions by way of credit enhancements, stipulate financial and other covenants.
• Personal discussions with Founders/ Promoters & CFO to understand the current business model, fund raising plans, growth plans, etc.
• Benchmark borrowers financial performance across competitors and industry benchmarks.
• Secondary research to gather additional information about the background of management and the borrower.
• Regular review of the covenants and portfolio performance and suggest corrective action, including working with the customer to resolve any delinquency.
• Coordinating with Sales, Operation, Legal, Technology and Customer Service team effectively.
• Ensuring adherence to the internal credit policy, RBI guidelines and guidelines specific to NBFC.

Skills required:

• Keen interest towards tech driven new age/ alternate data-based credit decision process.
• Knowledge of various products such as business loan, line of credit, dropline OD, etc.
• will be an added advantage.
• Strong knowledge of financial statement analysis, general accounting, cash flows, financial ratios, etc.
• Critical thinker with strong decision-making ability, excellent written and verbal communication.
• Demonstrated capabilities towards multiple stakeholder management.
• Knowledge of drafting curated sanction letters and loan agreements will be an added advantage.