Credit Underwriting - Emerging Corporate
Credit & Underwriting
Full-Time
3-6 Years
Gurugram
Job ID:
AN75
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.
Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs.
Analyzing the Financial statements, Cash flow / Bank statements and Ratio analysis for the purpose of assessment of working capital/ Term Loan/ other funding requirements of the mid corporate group.
Taking charge of cases when they move to underwriting after credit processing for decision making.
Quantitative & Qualitative Analysis of the case and Conduct physical PD.
Quantitative Analysis includes:
Financial Analysis: Conduct financial due diligence to understand the credit worthiness of the client, past trends, net worth etc.
Banking Analysis: Banking transactions conduct, Supplier’s, and client’s transactions analysis, tracking EMI repayment etc.
Statutory Analysis: Timely returns have been filed for GST, TDS etc. and comply with the applicable laws and regulations.
Qualitative Analysis: includes industry analysis and analyze the trends in the business.
Legal Analysis: check if any complaints have been filed against the client and possible consequences of the same.
Meeting customer personally to evaluate the business, internal / External reference check, FCU / RCU check.
Underwriting the cases / Customer based on the laid-out policy. Recommending / decision (Approve / Reject) the cases based on merit.
Including but not limited to work closely with sales team / Channel partners / cross-sell team to support them in a right manner which facilitates the growth of business and achievements of co-goals and targets.
Working closing with and coordinating with operations team for the smooth disbursement of approved cases.
Portfolio analysis by mitigating the risk and then sanctioning the loan.
Suggesting/initiating policy changes bases on portfolio analysis.
What we are looking for.
1) Qualified CA
2) MBA from Premier Institute
Strong pedigree/academic background
Extremely self-driven & smart-working with the ability to lead teams.
Excellent communication skills and man-to-man sales skills
Can work in high pressure situations and completely hands-on; the knack to hustle and get the job done
Flexible to travel around and fluent in Hindi & English
What we are offering.
Fastrack Career Growth
High-Impact Roles
Ownership & Role Autonomy
Exceptional Peer Group
Enjoyable Workplace Culture
Competitive Pay & Rewards