Manager - Credit (SCF)

Who we are :

FlexiLoans is a technology based Digital financing platform started with an endeavor to solve the problems that small businesses face in accessing Quick, Flexible and Adequate funds for growing their Businesses. Our vision is to give "Financial access at a click". Our talent pool has rockstars from diverse backgrounds - ex- Founders, investment bankers, e-commerce and payments with the passion to make a difference to the lives of 70 mn+ MSME businesses in India.

FlexiLoans.com is a pioneer in the ecosystem-based digital lending for small businesses in India. Till date, we have disbursed over 100,000+ loans worth over Rs. 5,000 Crs+ to small sized businesses across 3,200+ cities without having a single branch! We are the leaders in using technology and risk models that focus on alternate / surrogate methods for scoring customers. Our origination is 100% digital with over 100 embedded partnerships like Amazon, Flipkart, Nykaa, Paytm, Paisabazaar, META, etc. for providing credit access to MSME businesses. Founded by CA / ISB alumni, FlexiLoans is funded by marquee funds and HNIs in the form of MAJ invest, Fasanara Capital, Sanjay Nayar (Founder - Sorin Investments, Chairman - KKR India and Ex-CEO, Citibank South Asia), Dr. Harry Banga (Founder, Caravel group), Yogesh Mahansaria (Founder, Alliance Tyres) Gunit Chaddha (Ex-CEO, Deutsche Bank, Asia Pacific), Anil Jaggia (Ex-CIO, HDFC Bank), Vikram Sud (Ex-COO, Kotak Mahindra Bank), Narayan Seshadri (Ex-Managing Partner, KPMG), Gopal Srinivasan (Chairman, TVS Capital) and Siddharth Parekh (Co-Founder, Paragon Partners) to name a few.

Our product offerings and value proposition can be accessed on our website : https : / / www.flexiloans.com /

Business driven by our Company Values :

Why join us?

A five-time certified ‘Great Place to work’ workplace, at FlexiLoans you will be working with top tier talent from diverse backgrounds hungry to make a dent in the MSME universe. We believe in people owning what you do and providing support to folks for making decisions (sometimes even wrong decisions!) all the while learning and growing with the organization. FlexiLoans is your front row seat to the MSME Fintech revolution in India!

The role in a gist :

As FlexiLoans enters the next orbit of growth, we are looking for people with the passion and hunger to make a dent in the MSME ecosystem. This is a unique opportunity to implement your creative thinking, analytical mind, diverse skill set in the process of revolutionizing new products, processes and strategy for the company which will help us grow a scalable business. Read more on what we are looking for in the role

What you will work on :

• Oversee the company's credit policies, procedures and processes related to SCF and HVC business, ensuring all risks are addressed appropriately through evaluation and developing required risk frameworks.
• Directly responsible for the credit quality and risk performance of the company and the SCF and HVC businesses.
• Develop and review Early Warning System (EWS) reports.
• Periodic review of portfolio in accordance with current Industry scenario and recent RBI Circular, making amendments to Policy accordingly.
• Keeping a tab on external economic environment, regulatory policies and competition with a view to ensure strong business growth.
• Ensuring system automation for improving team efficiency and productivity.
• Using data analytics to develop insights into credit risk trends, identify emerging risks, and optimize credit risk management strategies.

The ideal candidate :

Qualification and Experience