Implement and Act in accordance with Organizations Policies and Process and Credit Delegation In addition, adhere to Regulatory and Audit Compliance Review and Monitor Underwriters in terms of Loan Appraisals, TAT, Risk Appetite and Support to Business Monitor Portfolio Quality Provide valid inputs to Policy Team on hindsight and Competition benchmarks Assist towards Process Key Improvement Activities Ensure quality metrics of underwriting are maintained with error rates maintained within threshold limit. Proactively inform about Red Flags and Triggers, To identify Portfolio Risk in Underlying Business Practices and Fraud Exposures Training the Credit Managers on Processes and policies Work Closely with Sales Managers in Zones, Credit team and business teams of lenders to constantly refine credit underwriting processes in Zone across regions Partnering with risk and policy teams to align products and policies , build on data driven underwriting practices Actively get involved in New lenders onboarding process, setting up process and policies and regular interaction with lenders credit and operations team Actively looking out for automation initiatives enabling better underwriting practices and lender delight Travelling to multiple locations for training purposes as per requirement Domain/Functional

Key Responsibilities: Actively Engage with existing and potential lenders and investors to raise debt funding. Leading the discussion on fundraising, deal structuring, finalizing terms of the fund raise Preparing Proposals, CMAs, corporate presentations, and other information required by banks, NBFCs, DFIs, other financial intermediaries for fund raising under new/renewal/enhancement of limits. Negotiating with lenders on commercial & legal aspects. Hands-on knowledge of legal documentation Experience in dealing with various financial instruments Term loans, NCDs, Securitization (PTC/DA), Commercial Paper, WCDL etc. End to end execution of transaction including pre & post disbursement compliances Covenant Reporting & Compliance Key Skills MBA Finance or CA-Inter with 3-7 years of experience in debt raising or commercial banking preferably with NBFCs. Strong excel skills required. Strong relationship management capabilities Basic legal knowledge of debt contracts and regulations around securitization etc.

Sr Manager/Associate Director - Business Development - Partnership (Supply Chain Finance) Business Development Manager (Anchor Acquisition) Supply Chain Finance Experience: 4-10 years in Enterprise Sales (Experience in Supply Chain Financing is a plus) Indifi is looking for highly driven business development professionals with a problem-solving mindsetsmart, ambitious, and ownership-driven individuals who thrive in fast-paced environments. This role offers an opportunity to take on responsibilities beyond years of experience while shaping the Supply Chain Finance (SCF) business at Indifi. Key Responsibilities: Anchor Acquisition & Engagement: Prospect and onboard new Anchors for Vendor/Dealer Finance propositions, ensuring maximum onboarding and utilization of limits. Pipeline Development: Build a strong pipeline of brand anchors by identifying key markets and industries. Stakeholder Management: Engage and network with CXOs and key decision-makers of brand anchors to drive partnerships. Industry Engagement: Participate in industry forums and networking events to enhance visibility and brand positioning for Indifi. Digital & Product Initiatives: Implement and drive digital innovations in Supply Chain Finance, including new product development. Program Scaling & Risk Management: Maintain regular engagement with anchors to identify potential red flags, strengthen relationships, and scale the program. Cross-Functional Collaboration: Work closely with Sales, Risk, Operations, Compliance, and other internal teams to drive execution and optimize business processes. Desired Skills & Experience: 4-10 years of experience in Enterprise Sales (SCF experience preferred) Strong business development and stakeholder engagement skills Problem-solving mindset with an ability to think like an intrapreneur Excellent communication and negotiation skills Ability to drive outcomes and work in a fast-paced environment This role is a high-impact, growth-driven opportunity for individuals looking to make a significant contribution to Indifis Supply Chain Finance vertical.

Source new clients in/ Large corporate segment, analyze financial data of the prospective clients (hence balance sheet analysis, ratio analysis, CMA preparation etc) and then put up the proposal to the sanctioning authority would be tested. Adding good quality new customers to the company to grow Sourcing deals in debt financing of Startups and Corporates Meeting business targets both by volume and revenue and customer number Handling end-to-end activities from acquisition to analysis to presentation of new business cases, get them approved from Credit/risk/compliance and seamless drawdown Owning the end to end customer relationship from sourcing till renewal, maintaining the portfolio of more than 30 Cr at any point of time Maintaining relationship with existing customers and newly acquired customers to ensure painless transaction processing Inter-department coordination to ensure your customer gets best services at all times Negotiating best deal for the company keeping in mind customer interest as well Handling a portfolio of corporates with flagship company turnover of upto INR 100 Cr Role comprises of building existing relationships/acquiring new businesses by effective client engagement & selling of financial products like term loan, working capital loan etc. Involved in relationship development, preparing credit approval memorandum, documentation, post disbursal monitoring and coordinating with multiple internal teams (product, mid-office, back-office/ branch personnel) to ensure high service levels within timelines to corporate customers. Build and maintain strong relationships with corporate clients and Channel Partners. Understand clients' financial goals, challenges, and opportunities.

ACCOUNT RECEIVABLES Loan reconciliation and Interest Income reconciliation on monthly basis. Provisioning and loan write off accounting and details preparation. All other income related with Loans and their charges. TDS reconciliation as per 26AS. Income and Loan reconciliation for Co-lending portfolio. Income details preparation for GST return on monthly basis. GST Income Vs Income as per Books reconciliation. Cross charges intra group company, ensure calculation as per the agreement. Monthly Payroll (including full and final settlement) verification (input and checking) and payment (post necessary approval). Maintenance of fixed assets register as per rules and regulation and sharing relevant details as and when required. Ensure repayment control of borrowing (interest calculation and repayment Schedule) Bank transaction- verification and controls including bank reconciliations. Assistance in RBI returns. Assistance and sharing required details during audits (statutory, tax and internal audits) and MIS/information as and when required by the management. Minimum Qualifications: Post graduate or MBA in Finance or CA - Semi Qualified Good communication and Ms-excel skills Skills and experience: Minimum 4 years of relevant experience Proficient in MS-Excel and Power point Prior experience of working within NBFC

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. Education: MBA (Finance)/ CA

About Role You will be responsible for ensuring that the NBFC adheres to all regulatory requirements and internal policies. This role involves monitoring compliance risks, managing compliance tool, maintaining trackers, stakeholder management, drafting and modification on policies, implementing regulatory updates, assisting in compliance risk assessments, audits, and supporting in maintaining a robust compliance framework. Roles and Responsibilities: 1. Compliance monitoring and tracking through tools 2. Supporting discussions and execution of compliance actionable with internal stakeholders 3. Coordinating ad-hoc compliance reporting requirements 4. Periodical compliance filing tracking and follow-ups 5. Dissemination of new regulations/policies amongst the stakeholders 6. Performing stress testing as per the plan 7. Policy/SOP drafting/reviewing amongst others Job Description 1. Compliance Tracking through Tool: Managing end to end compliance tool, tracking compliances and vouching the evidence, managing internal stakeholders for closure of open actions in the tool. 2. Regulatory Compliance: Ensure strict adherence to all regulatory requirements, guidelines, and directives issued by the relevant authorities, including the Reserve Bank of India (RBI) and other regulatory bodies. 3. Policy Development: Drafting, revision, and implementation of compliance policies and procedures to ensure they are in line with changing regulations and industry standards. 4. Risk Assessment: Assist in regular risk assessments to identify potential compliance risks and develop mitigation strategies to prevent violations. 5. Training and Awareness: Establish and maintain a compliance training program for employees at all levels, ensuring they are well-informed about compliance requirements and expectations. 6. Internal Audit & Controls: Implement and maintain effective internal control systems to ensure compliance with internal policies and external regulations. Effectively manage the internal auditor with planning and supervision and evaluate corrective measures for satisfaction of audit findings as well as monitor adequacy of corrective procedures 7. Incident Response: Develop and maintain an incident response plan to address compliance violations and ensure timely resolution, reporting, and communication to relevant stakeholders. 8. Monitoring Industry Trends: Stay informed about emerging trends, best practices, and changes in regulatory requirements within the NBFC and banking industry. Requirement from the candidate 1. Bachelor's degree in finance, law, or a related field. Advanced degrees or professional certifications (e.g., Certified Compliance Professional) are a plus. 2. A minimum of 4 years of relevant experience in compliance, risk management, or regulatory affairs, with a strong preference for candidates with a background in NBFC or banking. 3. In-depth knowledge of Indian financial regulations and compliance requirements, including RBI NBFC Scaler Based, Digital Lending, KYC-AML guidelines, etc 4. Excellent communication, negotiation, and interpersonal skills. 5. Analytical and problem-solving abilities with a keen attention to detail. 6. High ethical standards and a commitment to promoting a culture of compliance and integrity 7. Exposure / experience to NBFC inspection/Compliance Risk Assessment

To work as part of the team engaged in loan processing of applications received through channel partners. Own and manage end to end loan origination process from sourcing to disbursal. Understand client requirements, gather relevant information, and process the application. Keep client experience paramount. Be prompt in connecting with the customer, be responsive during the processing of a case. Managing Sales of LAP product. Sourcing business through open market & DSA. Strong knowledge of LAP Product.

Responsibilities 1. Invoice Processing and Upload Process 2. Managing attendance for the Office Support (3rd Party) Team and ensuring compliance around their payments 3. Managing Logistics for outside Gurgaon offices with the help of Admin Person in those locations 4. Manage information flow in a timely and accurate manner. 5. Manage calendars and set up meetings. E.g. Board meetings 6. Make travel and accommodation arrangements. 7. Rack daily expenses and prepare weekly, monthly or quarterly reports. 8. Format information for internal and external communication memos, emails, presentations, reports 9. Take minutes during meetings. 10. Screen and direct phone calls and distribute correspondence. Requirements and skills Work experience as an Admin Assistant, Executive Assistant, Personal Assistant or similar role Excellent MS Office knowledge Outstanding organizational and time management skills Familiarity with office gadgets and applications (e.g., e-calendars) Female candidate (preferred) Work experience required - minimum 1 year.

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.

Direct Taxation 1. Handling quarterly TDS return filings and monthly payments of TDS including reconciliation with books of account. 2. Preparation of quarterly advance tax computation working and annual Income tax and deferred tax computation. 3. Preparation of schedule as per requirement of statutory and internal auditors. 4. Preparation of Tax Audit schedules and filing of ITR and SFT returns. 5. Preparation of data for assessment proceedings and CIT appeals and handling of assessments. 6. Preparation of data for certificate of lower deduction of TDS. Indirect Taxation 1. Preparation of data from the ERP and filing monthly and annual GST return (GSTR 1, GSTR 3B, GSTR 9, GSTR 9C) 2. Availment of Input Tax Credit, monthly reconciliation of GSTR - 2A/2B with books of account and preparation of ITC Registers 3. Preparation of schedule as per requirement of statutory and internal auditors. 4. Monthly reconciliation of books with GST filing. 5. Preparation and submission of data for any department queries on timely manner. EDUCATION, QUALIFICATION AND SKILLS 2-3 years or relevant experience, preferably in BFSI or NBFCs. Chartered Accountant Qualified. Carries good communication skills and an eye for detail. Ready to take challenges in fast-paced environment.

Underwriting experience in Loan, preferably Unsecured Loans. Doing personal discussion with borrower. Preparing CAM (Credit Assessment Memo), ensuring proper and correct information. Checking and appraising proposals, scrutinizing documents including SOA analysis, CIBIL analysis, ensuring proper KYC etc before assigning any application to Lender with proper TAT and quality. Primary assessment & analysis of reasons of non-starter cases. Basic Financial Knowledge of Balance sheet and Profit & Loss A/c.

Reporting to Manager - Operations Language Requirement: Kannada/Telugu, Hindi & English Responsibilities VCIP Officer will carry out customer identification process (CIP) through video calls performing due diligence checks and reviewing KYC documentation. Interaction quality complete and accurate capture of call interactions/Notes. Need to ensure whether defect rates kept under acceptable levels. VCIP Officer must exhibit the highest standard of customer service to ensure customers are comfortable through our verification process. Strict adherence to the lenders/Company credit policy & checklist Strict adherence to KYC norms as per RBI guidelines. Adherence of FTR processing and within prescribed TAT Requirements and skills Work experience as an KYC executive or similar role Excellent MS Office knowledge Outstanding organizational and time management skills Work experience required - minimum 1 year.

Role & Responsibility Employee shall be responsible for taking care of Operation process (Insurance/NACH) end to end. Should be able to call the customer + Partner. Should be able to manage work within TATs. Shall be responsible for resolving the Insurance/NACH related customer queries, closely working with the customer service team and Insurance partner. Shall take lead in finding ways to automate things to reduce customer complaints regarding the escrow related issues. Qualification Graduate / Postgraduate with 2+ years of experience in Operations/customer service. Should have experience in financial sector (domestic market) Should have good communication skills and E-mail writing skills. Should have ability to work with stakeholders. Should have calling & non-voice background.

1. Employee shall be responsible for taking incoming and outgoing calls 2. Employee should be pleasant and active while taking calls 3. Resolve & closed loop with all internally stakeholders ensuring all queries are pertaining to like OD Disbursal, statement, foreclosure, loan application status etc receive internal (Indifi employee) or g (Indifi Toll number) 4. Shall take lead in finding ways to automate things to customer complaints /requests 5. Shall be required to interact with various lenders, query resolution, welcome call & send welcome kit/ letter pst first disbursal explaining customer all key features.

Part of the Credit Underwriting Team. - Responsible for Credit Appraisal & Sanctioning - Handling small - medium ticket for LAP and Home loans - Evaluating LAP (loan against property) for salaried and self employed clients. Identifying risk associated to the lending and finding alternatives to mitigate them. - Ensuring compliance with retail credit policy and guidelines of the Bank, Reserve Bank and other regulatory bodies. - Preparing detailed reports of the loans during the appraisal process. - Coordinating with different teams like legal, fraud, document prep, draw down for smooth disbursement of the loans.

We are looking for Relationship Managers Sales who believe in and maintain long-term relationship with Micro, Medium and Small Enterprise customers and go an extra mile in on-boarding new customers and retaining old ones. Key Tasks: To work as part of the team engaged in loan processing of applications received through channel partners. Own and manage end to end loan origination process from sourcing to disbursal. Understand client requirements, gather relevant information, and process the application. Keep client experience paramount. Be prompt in connecting with the customer, be responsive during the processing of a case. Appraisal of loan application on various parameters. Ensure quality of business i.e. all credit parameters to be met while loan processing. Work within the laid down framework and ensure 100% compliance. Coordinate with documentation executives for relevant documentation and acknowledgement. The role involves regular coordination with Credit Risk, Quality check and Operations team in the journey of loan application from sourcing to disbursal. Calling the customer and letting them understand the loan procedure from lead to disbursal Timely completion of tasks assigned for the day. Meet the TAT benchmarks on loan processing. Be an advisor to the client. Great Fit: Fresher with excellent communication skills and from finance background (Masters in Finance/B. Com) 6 months to 1 year of experience from financial services (Banks/NBFC) in sales, managing the entire journey of the customer from lead generation till disbursement. Hands-on selling services to customers. Maintain regular and reliable work attendance Excited to earn incentives.

Were looking for a Manager Internal Audit to join our team at Indifi. This role will focus on optimizing audit coverage in alignment with internal policies and external/regulatory requirements. Responsibilities: Plan and execution of internal audits of all activities within organization. Coordination with the internal Auditors firms. Provide oversight to management of Control lapses. Preparation of reports for the Management and Board. Ensuring compliance to the action on the internal Audit observations. Monitor and adherence to timelines for Audit completion . Evaluation of controls over operations, financial reporting, and compliance with applicable rules, laws, and regulations. Designing SOPs. Updating RCMs and Performing ICOFR testing Maintain and expand knowledge base in area of expertise. Provide extensive, in-depth knowledge of field to others. Identification of Risks. Requirements: CA qualified or prior experience in Risk Advisory. 3-5 years of experience of Internal Audit and experience required (either within the Banking industry or within a Professional Services Firm). Must be able to operate independently from time to time. Demonstrated leadership and management skills. Demonstrated time management skills. Strong writing, presentation, communication and interpersonal skills. Strong organizational and analytical skills. Microsoft Office experience. Knowledge of risks and internal controls.

Reporting To: VP Business Strategy Team Size: 3 Portfolio Managers, 9 RM Relationship Managers Core Purpose of the Role: To Build Partnership and Direct Channel Business on Pan-India basis across multiple formats with complete P& L responsibilities To own end to end complete life cycle for all key relationships with 360 view around all key processes, portfolio health and profitability across entire ecosystem Areas of Responsibility: a) To build Fresh business through various partnership and direct channels keeping profitability across eco system in consideration c) Accurately forecasting weekly, monthly, quarterly, annually revenue streams and responsible for AOP achievement d) Actively driving and ensuring sales target achievement, management of sales support functions and timely work completion for customers e) Recruit, develop and ensure retention of respective teams by formulating their development plans, meeting their training needs and communicating with them on a regular basis f) Keeping a close eye on competitive moves in market for a better and a faster strategic decision making g) Collaboration and Co- ordination with various cross functions / departments at various stages of the entire process journey for achieving common goals set at org level (Cross Functional teams like Ops, Credit, Analytics, Tech, Cust Service, legal, accounts etc) Must Have: a) Minimum 3 plus years of relevant experience of managing Channel Partners in Financial Services with good experience of handling large team b) Tier 1 and 2 college (graduate or/and post graduate) b) Good negotiation skills and ability to close contracts. c) Good Exposure of Strategic partnership and Relationship Management e) Graduate or Masters in any field f) Excel in data management, analysis and forecasting.