About udaan

Founded in 2016 with a vision to 'transform the trade ecosystem in India leveraging technology,’ udaan is India’s largest business-to-business e-commerce platform. It has operations across categories including fruits and vegetables, FMCG, staples, lifestyle, electronics, home & kitchen, pharma, toys and general merchandise.

udaan is solving core trade problems faced by small and medium businesses, that are unique to India, through its unique India-fit low-cost business model by leveraging technology and bringing the benefits of eCommerce to them. It is a one stop shop for all business requirements in the b2b space. udaan has built inclusive tech tools for Bharat, specially catering to the needs of brands, retailers and manufacturers, providing them a level playing field to scale, trade and grow businesses.

Role Description

Function: Finance

Reports to: Business Finance Lead

- Deciding trade credit for buyers (lending amount & period)
- Responsible completion of timely credit appraisals
- Adhering to strict TAT for underwriting files
- Maintaining quality of underwriting as per SOP
- Recommending deviation cases to the higher level or approving authority as per delegation matrix
- Vendor Management
- Partner with Business & Finance head and create monthly & annual operating plans and ensure timely submission of the plans to the central teams.
- Own and deliver in-depth analysis of the overall financial and operational performance of the business (Financial, Operational, Marketing, Sales, etc.), identify red flags and propose ways to bridge them
- Ensure analysis findings are actioned upon and continuous feedback is collected and utilized to fine-tune the approach




- Solve business problems and aid the decision-making process by using predictive modelling on internal and external data
- Track performance against plan, provide performance insights with detailed recovery actions for gaps
- Build dashboards/coherent scorecards to drive strategic thinking in the category
- Collaborate with cross functional teams to drive business and improve processes

KRAs:

- Delinquency Management – Maintain lower NPAs
- TAT Management – Strict TAT to be maintained for underwriting files
- Managing Quality of Processing – to maintain quality of underwriting adhering to SOP
- Vendor Management – coordinate with vendors for getting various verification done for customers

Candidate Profile

- Qualification: CA/MBA Finance/B. Com
- Must have a minimum 1 - 3 years of work experience in SME underwriting for products like Invoice Finance,
- Business Loans; prior experience in Fintech/NBFCs preferred
- Thorough understanding of SME Financing and Credit processes
- Good at market intelligence, should be able to provide inputs & feedback for policy and process improvement
- Eye for detail/Diligent Personalit

•

Functional Competencies

· Problem solving: Solve business problem with multiple data streams impacting decision making.

· Data driven/ analytical: Process and analyse volume of multiple data streams to enable meeting business targets.

· Cooperative skills: Cross-functional working and engagement with senior leaders to create success. Seamlessly navigate relationship dynamics in a high growth, young, agile business environment.

· Results orientation: Deliver on daily numbers, short-term goals and long-term milestones set by business and efficacy.

· Strong business and commercial acumen

What we offer

· Hybrid work model

· Robust insurance policy (medical, accidental)

· Car lease through vendors

· Gratuity

📌 Associate Manager -Underwriting (Bengaluru)
🏢 Udaan
📍 Bengaluru