Credit Underwriter
Credit & Underwriting
Full-Time
2-6 yrs
Hyderabad
Job ID:
RB98
About the Business
OXYZO Financial Services Ltd. is a Leading Fintech NBFC headquartered in Gurugram. We are into B2B Lending and cover both SME and Emerging Corporate customers Pan-India having our offices spread across 20+ cities in India including NCR, Chandigarh, Jaipur, Indore, Ahmedabad, Mumbai, Bangalore, Hyderabad, Chennai, Kolkata, etc.
OXYZO is part of the OfBusiness Group and was incorporated in 2017 - having already built an AUM (Asset Under Management) of 7,000 Cr with a PAT of 300 Cr last year and is growing year on year with well-established processes and governance framework with marque investors including Creation Investments, Matrix Partners, Norwest, Tiger Global and Alpha Wave.
What you will do.
1. Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs.
2. Analysing the Financial statements, Cash flow / Bank statements, and Ratio analysis for
assessment of working capital/ Term Loan/ other funding requirements of the SME.
3. Taking care of cases when they move to underwriting after credit processing.
4. Financial Analysis: credit worthiness of the client, past trends, net worth, etc
5. Banking Analysis: who all are the anchors, who are the suppliers, tracking EMI repayment.
6. Statutory Analysis: check if the returns have been filed, GST has been filed, if any taxable is there, check liquidity crunch, etc.
7. Underwriting the cases / Customers based on the laid-out policy. Recommending / decision(Approve / Reject) the cases based on merit.
What we are looking for.
Strong pedigree/academic background
Extremely self-driven & smart-working with the ability to lead teams. 3. Excellent communication skills and man-to-man sales skills
Hunger to grow in the company and add value to the SMEs across the country
Can work in high-pressure situations and completely hands-on; the knack to hustle and get the job done
What we are offering.
Fastrack Career Growth
Ownership & Role Autonomy
Exceptional Peer Group
Enjoyable Workplace Culture