Indifi - Manager - Underwriting

Responsibilities :

• Assessment of borrower's 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 borrower's 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 :

Education : MBA (Finance) / CA

(ref : iimjobs.com)