Analyst - Wholesale Risk

About Credit Saison India

Established in 2019, Credit Saison India (CS India) is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about approx. 2,000 employees.

Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan's largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International's global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Day to day to include following areas:

• Carrying out of due diligence on credit proposals assigned. Preparation of risk presentation and related materials.
• Financial, Business, Management and Industry analysis for client's risk assessment.
• Building and analysing financial model's/ projections/ cash flow /Forecasts and scenario/sensitivity analysis.
• To convey opinion regarding the feasibility of the proposed transaction, from a risk point of view covering business model, industry risk, structure and financial risk.
• Industry benchmarking and peer comparison and analysis. Developing views on sectors and sub-segments.
• Assisting on various aspects of due diligence including operations that we will be conducting as part of our risk assessment.
• Review and assessments of client's business process and systems.
• Liaison with other teams to ensure regular updates and monitoring of portfolio clients.
• Monitoring of outstanding issues / non-compliances with terms of sanction.
• Vetting of asset valuation reports, title search reports and LEs reports etc.
• Adherence and compliance to Credit policy guidelines and management directions.
• Keep a track of market factors, indices, policies and regulations and identify their impact on credit portfolio.
• Conduct periodic company and plant visits as per requirement.

Experience: 2-3 years in wholesale credit

Skill Sets:

• Excellent Excel and PowerPoint skills
• Ability to take initiative and run solo on the work assigned to you.
• A team player who can work in sync with internal and external stakeholders.
• Highly motivated and open to undertake new initiatives.
• Clarity in communication and confidence to put forward one's view.
• Exposure to processing of credit proposals pertaining to mid-market/large corporates would be preferred.
• Clear understanding of financial statements and key ratios pertaining to credit assessment of corporate clients.
• Tier-1 MBA /1st attempt CA candidates will be preferred.