Credit - Anchor Onboarding Team- Colending (NBFC)

About the team and role

Be a member of Credit- Anchor Onboarding team at the NBFC. Role would include Onboarding and monitoring of NBFCs/Fintechs for lending partnerships.

Primary Responsibilities

Client Onboarding for joint lending on retail loans

Conduct detailed credit due diligences on NBFCs/Fintech, prepare credit reports, seek approvals from Credit Committee for lending program.

Seek, analyze, and structure data provided by clients.

Evaluating business models, meetings with CXOs/Senior management of companies and thorough field diligence (HO/CO/Branches/Vendor visits)

Evaluate feasibility of program through co-ordination across multiple teams (internal/external), recommending product structures, limits & recourse requirement basis loss estimation.

Prepare insightful credit report for presentation to Credit Committee with cogent recommendations.

Taking partnerships live, continuous engagement with client, finalizing process flow and transaction documents.

Post Go-live:

Identifying early warning signs of credit deterioration

Credit monitoring, field visit, management meetings, calls.

Regular Updates to Credit Committee Anchor updates, portfolio insights, etc.

Impact assessment of regulation on sector/programs

Suggestions on limits, structure, new product introduction, portfolio Rebalancing, etc

Desired Skills & Experience

Ability to interact with promoters/CXOs and glean information through physical discussions.

Be willing to travel extensively pan-India for on-field monitoring of clients.

Possess a good eye for detail and have demonstrated ability to work under pressure.

Be brilliant with numbers, analyzing financial statements, managing and interpreting data and solving problems - to aid in taking decision to onboard.

Have excellent report writing skills.

Be as ambitious as we are, and hence be willing to go out of her / his way to burn the midnight oil to meet targets and deadlines.

Experience of NBFC underwriting or Credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies would be preferred.