Credit Underwriter

Title:

Credit Underwrite

Roles and Responsibilities:

• Designing and formulating credit underwriting for supply chain finance and strategize and partner in technology implementation to enable digital journey in supply chain financing process.
• Responsible for conducting detailed research on the financial history of businesses and their related parties/ individuals to determine their creditworthiness.
• Reviewing and verifying financial statements (like Balance Sheet, P&L, Cashflow), GSTR 3B filings, Bank Statements, credit rating report, KYC and other financial documents to develop a customer's/prospect profile and arrive at a credit recommendation.
• Building scorecard-based credit risk decision models and strategies driven by cashflow based approach in the fintech domain.
• Ensure policy compliance and underwriting standards, thereby maintaining standard portfolio quality through monitoring account conduct, credit limit, contribution margins, credit rating movement.
• Working closely with technology and business team leaders to build out new credit acquisition and risk management capabilities and refine the existing ones.
• Co-ordinating with external financial partners banks/ NBFCs to explore best suited facility structure basis pros and cons.
• End to end review of credit operations process and keeping a close track of exceptions/ deferrals at sanction and transaction levels.
• Undertake secondary research to be abreast with economy and industry trends, regulatory requirements and key management personnel background check.
• Opportunity to have a direct interface with corporate customers and come up with the learning curve via engagement with modules:

1. Banking instruments like BG, LC, LCBD, Invoice Discounting, Supply chain finance, financial reporting, AR management etc.

Qualifications:

• Master's in Finance or CA