Role Details
Team/ Function Credlix
Location - Noida 125
Designation - Associate Director- Credit Underwriting
Key Role Related Skills
- Credit evaluation
- Underwriting for SME
- Deal structuring
Role Objective
Designing robust credit risk frameworks, enabling data-driven underwriting decisions, and ensuring prudent portfolio growth while maintaining strong asset quality and regulatory compliance.
Role Responsibilities
- Designing and formulating credit risk and underwriting programs for supply chain finance using technology as a necessary enabler
- Building scorecard-based credit risk decision models and strategies, driven by cashflow based lending approach in the fintech domain
- Creating risk and policy structure with decent experience in credit risk function, working on conjunction with senior leaders and partners Banks/ NBFC's
- Ensuring complete adherence of policy and processes and implementing in underwriting and decisioning of loans
- End to end review of the Credit & operation process and provide insights on overall process for delivering strict turnaround time.
- Strategize and partner in implementing technology to enable a digital journey in the Supply chain financing process- e.g. underwriting, KYC, on-boarding etc.
- Coordinating with external lenders for designing and reviewing credit facilities structure, design and delivery.
- Providing thought-leadership on improving customer acquisition strategies, developing statistical cash-flow based credit models, and communicate analytical and credit ideas
- Work with technology and business team to build out new credit acquisition and risk management capabilities and refine existing one
Work Experience
- 8+ years of experience in SME credit with 3+ Years of experience in credit scoring, risk modelling and policies in Fintech Domain (lending, cards, payments, supply chain financing).
- Experience in setting up strong credit underwriting processes and scale them
Knowledge/ Skills
- Understanding of new-age / eCommerce businesses, and cashflow based lending models is a plus.
- Ability to assess customers basis standard documents like Financials, Banking, GST etc.
- Proficient in MS Excel and the ability to bring out insights from data
- Excellent analytical skills and detail orientation.
- Good communication and interpersonal Graduation from a reputed institute
- MBA/CA from a reputed institute
(ref:iimjobs.com)
