Job Description

Role - Credit Manager Location - Bengaluru / Delhi / Mumbai About the Team: Credit team facilitates lending to existing & new clients by assessing creditworthiness, monitoring clients\' performance on a regular basis, and making suitable recommendations to the credit committees. The team is expected to do a deep dive financial analysis of customers, regularly meet / interact with the stakeholders of borrowers, keep regular track of key performance milestones, be cognizant of & follow internal policies & processes, and present findings / recommendations to internal committees in timely & concise manner. Key Responsibilities: Independently prepare comprehensive credit assessment (covering macro-overview, industry/sector, competitor, business, financial and credit analysis) of clients on continuous basis through desk review and on-field diligence and monitoring; keep a close watch on allocated portfolio clients. It also includes preparation of detailed proposal notes for internal circulation. Able to hold conversations and engage with clients\' senior management and present the clients\' credit profile to internal team and Credit Committee to support their decision making. Follow-up with the sales team, account relationship team and other concerned teams for new sourcing and renewal/review. Identifying early warning signs of credit deterioration, joint monitoring of portfolio with account relationship team based on early warning systems. Capable of forming a view and suggesting course of action with regards to exposures clients. Contribute to various firm-wide projects focused on improving technology, enhancing reporting, regulatory compliance etc. Qualifications: CA / MBA with 0-2 years of relevant credit assessment experience in corporates. Structured credit/lending or portfolio/credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies. Experience in handling due diligence or transaction advisory. Be comfortable with numbers, analyzing financial statements, managing, and interpreting data and solving problems - to aid in credit underwriting. Have excellent report writing and communication skills. Possess a good eye for detail and have demonstrated ability to work under tight timelines. Be willing to travel extensively pan-India for on-field monitoring of clients. Ability to work proactively & independently as well as in a team environment. Deadline orientation; organized and responsible; high attention-to-details. Proficient in the use of MS Word, Excel and Power Point. Who we are: Vivriti is a young, dynamic, and spirited institution that boasts of a large appetite for success through its vision of creating the largest and most valuable platform for enterprise finance. The word \'Vivriti\' means progress or development and speaks volumes about our passion to continuously strive for results that add value to our ecosystem. At Vivriti, we are mission driven, challenging the status quo each day, reinventing the Indian mid-market debt market space, and creating an industry in itself. Over the last five years, the group that consists of two companies - Vivriti Capital, a unique enterprise fintech NBFC, and Vivriti Asset Management, India\'s fastest growing digital alternate debt fund manager, has built significantly on its vision. Vivriti presently manages assets in excess of US$ 800 Mn, has offices in Chennai, Mumbai, Bangalore, Delhi and Jaipur, and consists of a high-powered team of 200+. Why Join Us We are a high energy and supremely passionate bunch of individuals. This is a diverse group of people, who would be best in what they do, are diverse and inclusive, are collaborative and extremely hardworking. Indeed a very inspiring peer group. This is a team with a shared goal of reshaping the Indian mid-market enterprise debt market and change lives of millions of people through our work. We have a keen eye for great talent, have an appreciation for potential, and an environment which facilitates hyper-performance. Vivriti is known to present a platform to excel for those who have a desire to reach great heights in their career. We nurture our team with great care, encourage ambition, are compassionate in your failures and cheer your successes. We\'re proud of our collaborative culture; everyone is ready to lend a helping hand, whether it\'s your first day on the job or your thousandth. Our Rewards mechanisms are aggressive. High Performance fetches non-linear Rewards. In addition to the fixed component and variable pay, we ensure long term wealth creation for our critical employees through employee stock options. Vivriti is the first tech focused NBFC and asset manager that has provided ESOP liquidity in the last 15 years . We invest in our employees through developmental programs, Professional Development Allowances and Education Grants. Our Benefits are better than the best. To list a few below - Medical Care, Life and Personal Accident Insurance, Critical illness cover. Interest free loans of up to INR 10 Lacs, with no questions asked. Promoting health and wellness at the office with a well-equipped gymnasium, indoor sports facilities and recreation room. Motivating through regular fitness challenges and sports events and leagues. Caring for your health with nutritious food, fruits served round the clock, variety of beverages, etc. Ensuring maximum fun environment through Vivriti Premier League - a cross-team collaboration championship challenge, which is a 10-month long series of sporting contests, recreation activities on the floor, cultural celebrations, etc. Life at Vivriti : https://www.youtube.com/watchv=qJ-Ct5-QnO4

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