Senior 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. Education: MBA (Finance)/ CA