CredAble Hiring for Deputy Manager/ Manager – Credit Job at Mumbai Full Time

Overview of the Job

We are looking for a credit risk professional with excellent communication who will be joining a dynamic and fast-paced environment. As part of your role, you will be working with cross-functional teams and build ongoing relationships that will also deliver the company’s vision and strategy.

Overview of the Function

The Credit team is responsible for detailed risk evaluation of clients and discussion with management/bankers of borrowers, preparation of CAN (Credit Appraisal Note), discussion with internal stakeholders, and ongoing account monitoring.

Best things about the job

• Working in a highly entrepreneurial setup with a visionary team passionate to help scale new heights of the business success.
• Exposure to exploring limitless possibilities and ideas no matter how impossible they may seem today.
• CredAble thrives on transparency and a culture to nurture growth.
• Being part of CredAble enables you to push beyond the ordinary.

Your Role at CredAble

• Conducting detailed research on the financial history of businesses and individuals to determine client’s creditworthiness.
• Appraising prospective clients and preparation of CAN (Credit Appraisal Note) along with financial sheet as per the prescribed format
• Monitor clients’ compliance with credit terms on an ongoing basis; identify and advise early warning signals. Conduct periodic evaluation to ensure quality of accounts/portfolio.
• Appraising industries and lending eco-systems and help in creating innovative lending products
• Updating the management team on key developments in the lending space.
• Conducting detailed research on the financial history of businesses and individuals to determine their creditworthiness.
• Regular interaction with internal stakeholders (RM/Ops etc.) to be well informed of the activities related to clients
• Drawing conclusions from available data (both quantitative and qualitative) regarding the creditworthiness the client.
• Identify early signs of stress in any account by continuously monitoring both external and internal reports/triggers. Engage with stakeholders for flagging of risk pertaining to borrowers which are proposed to be included in EWS.

What will you bring to CredAble?

• 3 years of experience post qualification.
• Experience working in Banks ,NBFC’s or KPOs.
• Ability to crunch data, analyze and present findings from financial statements & data sets
• Good working knowledge of Excel and Power point along with ability to present it to senior stakeholders
• Ability to manage multiple priorities
• Skilled at working effectively with cross functional teams in a matrix organization
• Structured and ability to think on his/her feet.

Education

CA qualified/ MBA Finance

The perks of working at CredAble

We’ve got benefits that go beyond just free food! We are a digital-first company that believes in embracing the future of work and investing in our people.

• Enjoy a flexible, hybrid working model

We champion the hybrid way of work. While we work from the office from Monday to Thursday — on Fridays, you can work from wherever works best for you. You can even choose to work from anywhere in the world for a stretch of 15 days in a year!

• Unlimited sick leave

Not in the pink of health? Take unlimited sick leave in the unfortunate case of hospitalization or any serious illness.

• Paid time off

Every once in a while, we want you to be able to take a break — rest, recharge and unwind in the company of your loved ones. This is why we have a month-long sabbatical for newly married employees and for those who complete 3 years with the organization.

• Parental leave with childcare monetary benefits

We get that parenthood is a big change—bigger than many anticipate. We want our people to take the time off and enjoy this new phase with their little ones. While new mothers are given 6 months of paid leave plus the option to work from home for 6 months, new fathers can take 2 months of work from home too! For new mothers returning to work, a baby care allowance of Rs. 2.5 Lakh is provided.

• Unlimited food on the house

From all-day snacks, gourmet evening refreshments, team lunches & dinners to monthly food allowances, we’re making sure you never go hungry! Our Open Bar, Food and Game nights every quarter are quite a hit with the team. You can even invite your friends and family over for evening refreshments once a month!

• Comprehensive health insurance packages

Your physical and mental health is highly important to us. Which is why we have made employee health and workplace well-being our top priority. We’ve also got you covered with group health, parental and accidental insurance.

• Generous rewards

We celebrate our people with rewards, recognition and more! On achieving the company targets, you will be taken on a fun offsite. Outstanding contributors will be invited to the yearly offsite with the senior management and will also be given financial incentives for their performance. We’ve even got free merchandise and peer-cash bonuses for you!

• Learning never stops at CredAble

We’re here to help you grow, both professionally and personally. Get 50% of your learning course fee reimbursed. Got a passion? We’re here for it! We will give you a reimbursement of up to Rs. 10,000 for any course that you pick up for your personal goals.

About CredAble

CredAble is a technology-powered supply chain funding solutions company and NBFC. CredAble leverages its trade finance expertise, technology platform and access to 3rd party capital to arrange funding programs for enterprise supply chains. Programs are anchored around enterprise clients and provide funding linked to transactions with suppliers (payables) and distributors (receivables). Investors in CredAble include Alpha Capital, an India focused investment manager investing in consumer focused and/or disruptive technology-enabled businesses.