Key Responsibilities

Designing and formulating credit underwriting for supply chain finance and strategize & partner in technology implementation to enable digital journey in supply chain financing process.

Responsible for conducting detailed research on the financial history of businesses and their related parties/ individuals to determine their creditworthiness.

Reviewing and verifying financial statements (like Balance Sheet, P&L;, Cashflow), GSTR 3B filings, Bank Statements, credit rating report, KYC and other financial documents to develop a customers/prospect profile and arrive at a credit recommendation.

Building scorecard-based credit risk decision models and strategies driven by cashflow based approach in the fintech domain.

Ensure policy compliance and underwriting standards, thereby maintaining standard portfolio quality through monitoring account conduct, credit limit, contribution margins, credit rating movement.





Working closely with technology and business team leaders to build out new credit acquisition and risk management capabilities and refine the existing ones.

Co-ordinating with external financial partners banks/ NBFCs to explore best suited facility structure basis pros and cons.

End to end review of credit operations process and keeping a close track of exceptions/ deferrals at sanction and transaction levels.

Undertake secondary research to be abreast with economy & industry trends, regulatory requirements and key management personnel background check

Prospect to have a direct interface with corporate customers and come up with the learning curve via engagement with modules: Banking instruments like BG, LC, LCBD, Invoice Discounting, Supply chain finance, financial reporting, AR management etc.

📌 Credit Analyst (Bengaluru)
🏢 Qrata
📍 Bengaluru