About Vivriti Group

Vivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises. The group operates through two core businesses:

Vivriti Capital Limited: A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI). Vivriti Capital has disbursed over USD 3 billion to 300+ enterprise borrowers and holds a CRISIL rating of A+.

Vivriti Asset Management: A fixed-income fund manager, managing multiple Alternative Investment Funds (AIFs). With over USD 550 million in commitments from 900+ institutional and private contributors, Vivriti AMC has invested more than USD 600 million across 90+ entities.

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Role: Manager / Senior Manager Credit - Mid-Corporate Lending

Location: Mumbai / Gurugram / Chennai

Department: Credit

About the Team

The Credit team is integral to Vivriti's mid-corporate lending platform, playing a key role in evaluating creditworthiness, managing risk, and enabling high-quality loan underwriting. We work closely with origination, portfolio, and risk teams to structure and monitor credit facilities for mid-market borrowers across sectors. Our work involves in-depth financial analysis, on-ground due diligence, and timely engagement with internal and external stakeholders.

Key Responsibilities

Independently conduct end-to-end credit assessments for new and existing clients, including sector outlook, business model evaluation, financial and credit analysis, and peer benchmarking.
Prepare detailed credit appraisal notes with clear risk identification, mitigation strategies, and recommendations for internal credit committees.
Maintain regular engagement with clients senior management (CXOs/CFOs) to understand business performance, strategy, and financial outlook.
Track portfolio companies through a combination of desk reviews and field visits; identify early warning signs and work closely with the relationship team on corrective actions.
Support credit renewal and annual review processes by collaborating with internal stakeholders across business, legal, and compliance.
Form independent views on credit exposures and provide structured recommendations on lending decisions and portfolio actions.
Contribute to cross-functional initiatives, including process improvements, tech adoption, portfolio analytics, and regulatory reporting.

Qualifications & Experience

CA / MBA (Finance) with 15+ years of relevant experience in credit underwriting or credit risk in the mid-corporate / SME / structured lending segment.
Prior experience in banks, NBFCs, debt funds, rating agencies, or transaction advisory/due diligence roles preferred.
Strong analytical skills with an ability to interpret financial statements, assess financial health, and model business scenarios.
Exceptional written and verbal communication skills, with the ability to articulate complex credit matters clearly and concisely.
Highly detail-oriented, with a strong sense of accountability and the ability to work under tight timelines.
Proficient in Microsoft Excel (financial modeling), PowerPoint, and Word.
Willingness to travel extensively across India for client meetings and on-ground due diligence.

What We Offer

A high-impact role in a fast-growing fintech lender transforming debt capital access in India.
Exposure to diverse sectors and innovative credit structures.
Opportunity to work with experienced professionals and thought leaders in credit and risk.
A collaborative work culture that values ownership, transparency, and continuous learning.

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