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CA/MBA, 3-5 yrs exp ; Manager/ Senior Manager – Credit Risk & Monitoring (Mid Market)

  • Chennai

Job ID : 2247

About Company

The Employer is a platform in the financial services sector in India set up primarily with the mission of catering to the diverse credit requirements of under-served households and businesses.

As a leading player among India’s NBFCs, the Employer's business model is diversified across offerings, sectors, products, geographies, and borrower segments.
Its proprietary integrated technology system and its risk management framework enable it to offer a diversified product suite, efficiently at scale.

The Employer has cumulatively raised over INR One Trillion in funds for its clients since the inception of its platform. Employer’s exposure is spread across 657 districts in 28 states and 7 Union Territories in India.

Through its deep credit insights, proprietary risk models, structuring capability, and agile technology platform, the Employer offers suitable debt products that meet the requirements of borrowers and lenders in sectors like Microfinance, Small Business Loans, Vehicle Finance, Affordable Housing Finance, Agriculture Finance, Consumer Finance, and Mid-Market Corporates.

 

Benefits of joining this company

- Average variable pay (bonus) of 20%

- Best in industry healthcare for you and your family: Group Medical Insurance with coverage of Rs 15 Lakhs per annum (For self + 5 dependants) including parents or parents-in-law.

- Annual health check-up: Free annual health check-up worth INR 3,000

- Fitness Reimbursement per annum: INR 20,000

- Meal Card: Meal card can be availed as tax-saving benefit.

- Security Deposit: A rental advance on the actuals or 10 times your HRA can be availed and to be repaid at the time of exit.

- Diversity-focused Leaves: Paternal Leave, Adoption leave in addition to other leaves

- Maternity & Paternity Benefits: Best in class Maternity & paternity benefits.

- Beverages, Fruits & Snacks: on the house.

- Office timings are 9:30 AM to 6:30 PM (Monday to Friday)

- Off on 2nd and 4th Saturdays. Optional work from home on odd Saturdays (10 AM to 4 PM)

Note: These benefits are communicated to us by the Employer. It is advisable to confirm the same during your interview/ interaction with Company HR

Job Description

Job Description:
• Pre- Investment: Due diligence on Business Model and Operations, Financial and Governance Aspects.
• Post-investment: Periodic credit analysis & risk monitoring of partner companies in Mid- Market segment – Emerging Corporates reporting on Early warning signals or signs of deterioration in Credit risk.
• Visiting partners and interacting with their top management and functional team to understand business model and identify potential risk areas. In case of risks  identified, more recommendations on possible measures to mitigate risks through incremental and monitor progress
• Performing periodic credit analysis for client onboarding approvals, limit enhancements, setting covenants on Term-sheets across products.
• Adding to the body of understanding of asset classes in which the firm is working with a focus on identified sectors, by participating in due diligences with Business origination team, participating in credit committee meetings, research, blogs or any secondary study.
• Monitoring sector level risks and recommending necessary course of action at an entity and sector level as well as engaging with other stake holders such as the investors, credit bureaus, etc

Skills Required: 
• Financial analysis skills to analyze partner entities in Mid- Market Space – Emerging Corporates
• Excellent oral and written communication skills.
• Technical Skills: Financial Statement Analysis, Business plan Analysis, Evaluation of Management & Governance, Operations etc.
• Detail-oriented, good prioritization skills, pro-active and, goal-oriented
• Strong analytical skills. Good understanding of products.
• Working knowledge of MS-Office tools.
• Ability to provide clear, succinct, and timely risk analysis reports
• Willingness to travel to client location to understand business and operational model.
• Experience of and ability to stretch oneself, work under pressure, handle multiple assignments simultaneously and deliver on deadlines.
• Strong work ethic, positive attitude, self-motivated individual having an ability to work individually and as part of a team

Education Qualification

  • Qualified CA (Chartered Accountant)

Job Type

Full Time

Overview

  • No. Of Vacancy

    1
  • Offered Salary

    12 - 18 Lac
  • Experience

    3-5
  • Industry

    NBFC (Non-Banking Finance Company)

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