Job Title: Risk Manager (Invoice Discounting & Factoring)
Location: Gurugram
Employment Type: Full-Time
Role Overview
We are looking for a sharp, detail-oriented Risk Manager to oversee credit and operational risk for our NBFC. The ideal candidate will have at least two years of experience in the financial services or legal sector, specifically within invoice discounting or factoring. You will be responsible for evaluating the creditworthiness of borrowers and their buyers, identifying potential fraud, and ensuring the health of our lending portfolio.
Key Responsibilities
- Credit Assessment & Underwriting: Conduct in-depth financial analysis of MSME/Corporate borrowers and their debtors. Review balance sheets, P&L statements, and cash flow projections to determine credit limits.
- Transaction Risk Management: Evaluate individual invoices for authenticity and assess the concentration risk of specific anchors or sectors.
- Portfolio Monitoring: Track Days Past Due (DPD), collection efficiency, and early warning signals to mitigate potential defaults.
- Fraud Detection: Implement robust verification mechanisms, including GST-based validation and bank statement analysis, to prevent double financing or circular trading.
- Regulatory Compliance: Ensure all lending activities adhere to RBI NBFC Guidelines, KYC/AML norms, and internal credit policies.
- Stakeholder Management: Collaborate with Sales and Operations teams to streamline the loan disbursement process while maintaining risk guardrails.
Candidate Requirements
- Education:Chartered Accountant (CA) preferred. Candidates with an MBA in Finance or a CFA/FRM certification may also be considered.
- Experience: Minimum 2 years of post-qualification experience in a Bank, NBFC, Financial Consultancy, or Law Firm.
- Domain Expertise: Proven experience in Invoice Discounting, Factoring, or Supply Chain Finance is mandatory.
- Technical Skills:
- Proficiency in financial ratio analysis and cash flow modeling.
- Familiarity with credit scoring models and digital lending platforms.
Preferred Soft Skills
- Strong analytical mindset with a keen eye for detail.
- Excellent written and verbal communication for presenting risk summaries to senior management.
- Ability to work independently in a fast-paced, target-driven environment.
