Credit Underwriter

at Mintifi

Credit Underwriter

Mintifi

Company

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Credit Underwriter

at Mintifi

Posted by Suchita Upadhyay

2 - 5 yrs

₹2L - ₹4L / yr

Mumbai

Skills

Financial Ratio Analysis

credit assessment

credit analysis

Quality analytics

SME lending

business loan

Credit policies

Job Description: - Analysis of Financial Statement, Bank statement and other key parameter to check the credit worthiness for Unsecured Working Capital Loan. - Personal discussion with clients to understand the business model & financial aspects to justify the working capital gap and to establish Credit worthiness. - Maintaining strict TAT for credit application analysed and Providing Credit-related inputs for deciding variables of the algorithms and help Data Scientists for Credit-worthiness Model -Credit approval and ensuring approval is within TAT -Interact with the client, gather requirements, financial statements and other inputs for performing quality Credit analysis and due diligence. (for renewal & new borrowers) -To ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. - Checking and appraising proposals, scrutinizing documents including SOA analysis, Cibil analysis ensuring proper KYC etc before sanctioning with proper TAT and Quality and presenting the same to Credit manager/Senior credit managers at HO directly or through Credit team at HO -To prepare Credit Appraisal Memo (CAM). -Responsible for Credit Assessment -To coordinate with sales to achieve targets and ensure TAT or SLAs are met. -To ensure credit policy adherence to the accepted standards. -To control and contain front-end delinquencies by calling up customer on first presentation. -Work closely with RM/Product partners in structuring Credit solutions and ensuring appropriateness of the products, and expediting approvals Desired Candidate Profile: Good experience in Credit analysis - Balance sheet, Profit & Loss Statement, Bank Statement, ratio Good eye for detail Good analytical Skills Understanding of credit policies and procedures Understanding of Financial /Banking products and services Experience in Credit CPA role or similar profile Experience in SME business lending Behavioural Competencies Required: Analytical thinking Commitment Result oriented Customer Centric Concern for quality

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About Mintifi

Founded :

2017

Type :

Products & Services

Size :

20-100

Stage :

Raised funding

About

About Mintifi
We are Mintifi, a Mumbai based fin-tech working on India's first data-driven supply chain financing platform.

We are solving huge problem of inefficient and costly access to credit for millions of Indians distributors and retailers. We use hi-tech data driven and new-age credit models and IT solutions to solve this.

We are founded by experienced entrepreneurs having experience in Investment Banking, SME Lending and Distributed Processing systems and building the businesses ground up.

We have big ambitions and dreams of disrupting the supply chain lending landscape in India. In fact, we are already doing it from last 1 year. Yet, we have only scratched the surface of the problem and the underlying opportunity and that’s where the fun begins.

If you want to part of exciting and challenging journey, love to solve complex problems, if finding the path amid uncertainties excites you, we are the place for you.

About Mintifi
We are Mintifi, a Mumbai based fin-tech working on India's first data-driven supply chain financing platform.

We are founded by experienced entrepreneurs having experience in Investment Banking, SME Lending and Distributed Processing systems and building the businesses ground up.

If you want to part of exciting and challenging journey, love to solve complex problems, if finding the path amid uncertainties excites you, we are the place for you.

Mihir Jadhav

Connect

Suchita Upadhyay

Connect

Pravin Mhatre

Connect

Company social profiles

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