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

customer’s/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 recent 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

Opportunity 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 Risk Underwriter (Bengaluru)
🏢 Qrata
📍 Bengaluru