Role & responsibilities

1. Underwrite and structure credit proposals for Purchase/ Supplier Invoice Discounting, Vendor Finance and

Dealer/ Distributor Finance.

2. Evaluate anchor programs and suggest structure for dealer eligibility and tranche period benchmarking to

ensure maximum onboarding with minimum risk.

3. Assessment of individual borrowers credit worthiness through a thorough analysis of industry segment,

business model, financial statements, monthly MIS, etc.

4. Analysis of cash flow statement, cash flow projections, EBIDTA sensitivity analysis.

5. Discuss with customers to structure transactions by way of credit enhancements, stipulate financial and

other covenants.

6. Personal discussions with Founders/ Promoters & CFO to understand the current business model, fund

raising plans, growth plans, etc.

7.



Benchmark borrowers financial performance across competitors and industry benchmarks.

8. Secondary research to gather additional information about the background of management and the

borrower.

9. Regular review of the covenants and portfolio performance and suggest corrective action, including working

with the customer to resolve any delinquency.

10. Coordinating with Sales, Operation, Legal, Technology and Customer Service team effectively.

11. Ensuring adherence to the internal credit policy, RBI guidelines and guidelines specific to NBFC.

Preferred candidate profile

1. CA/MBA

2. Prior experience of Supply Chain Financing is mandatory

3. Comfortable in working in a fast evolving and agile setting.

📌 Underwriting Manager (Gurugram)
🏢 Indifi Technologies
📍 Gurugram