Company Description Oxyzo Financial Services specializes in tailored credit solutions for small and medium enterprises (SMEs) across India, with a strong focus on enabling their growth into larger businesses. The company offers low-interest, collateral-free credit options with streamlined, minimal documentation and rapid loan processing, typically within 48 hours.

Its “Pay As Per Usage” model allows SMEs to pay interest only for the period they use the credit line, without foreclosure charges. Oxyzo currently serves thousands of SMEs and manages assets under management (AUM) of over INR 11,000 crores. Through its integration with OfBusiness, Oxyzo also enables SMEs to save on raw material purchases, further supporting their profitability and operational efficiency.

Role Description This is a full-time, on-site role for a Credit Underwriter: Mid-Large Corporate – CA at Oxyzo Financial Services, based in Gurgaon Rural. The role involves assessing creditworthiness of mid to large corporate clients by analyzing financial statements, business models, cash flows, and collateral structures.

The Credit

Underwriter will structure credit proposals, prepare detailed credit appraisal notes, and recommend appropriate loan terms in line with internal risk policies and regulatory guidelines. Daily responsibilities include monitoring existing portfolios, tracking key risk indicators, collaborating with relationship managers and credit committees,



and ensuring timely decision-making for loan approvals and renewals. The role also requires active participation in improving underwriting frameworks, maintaining accurate documentation, and supporting audits and compliance reviews.

Qualifications

- Strong credit underwriting expertise, including Credit Underwriting and Underwriting skills for mid to large corporate clients.
- Advanced Analytical Skills for evaluating financial statements, ratios, projections, and industry risks.
- Effective Communication skills for coordinating with internal stakeholders, presenting credit cases, and writing transparent credit notes.
- Knowledge of Loans and lending products, including structuring credit facilities, understanding security, covenants, and regulatory requirements.
- Chartered Accountant (CA) qualification or equivalent professional certification in finance or accounting.
- Experience in corporate or commercial lending, preferably in NBFCs, banks, or financial institutions.
- Familiarity with SME and mid-market corporate segments, industry analysis, and risk assessment frameworks.
- Proficiency in MS Excel and financial modeling tools; ability to work with large data sets.
- Attention to detail, sound judgment, and integrity in credit decision-making.
- Ability to work on-site in Gurgaon Rural and collaborate in a fast-paced, target-driven environment.

📌 Credit Underwriter: Mid-Large Corporate - CA's (Gurugram)
🏢 Oxyzo Financial Services
📍 Gurugram