About Us

Kshema General Insurance Limited was established in 2018 and is India's only Digital Agri Insurance Company catering to farmers/cultivators in the Agriculture Sectors. Kshema enables cultivators with resilience from financial distress due to extreme climate events and perils through localised insurance products. Kshema is leveraging Technology to provide cutting edge insurance solutions to farmers.

Kshema is also into the business of Issuance of Surety Bonds to the Corporate Clients / Contractors for the purpose of participation in the bidding / tendering processes and execution of the contract works.

Kshema has a pan India presence with more than 500+ employees on roles along with 500+ employees as contractors.

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Kshema is searching for a meticulous Due Diligence Specialist to assist with the appraising, analysing, and reviewing of potential proposals for issuing Insurance Surety Bonds by the company.

The Due Diligence Specialist evaluates financial records, legal documents and business operations to identify risks and validates information to ensure compliance with underwriting standards and regulations in issue of Insurance Surety Bonds. The Specialist analyses the data from various sources to verify accuracy, detect potential issues, and support informed decision-making. Expertise in financial analysis, regulatory requirements, and risk assessment is essential for thorough due diligence processes.

The ideal candidate should have an extensive knowledge of the due diligence process, excellent analytical skills, and a keen eye for detail.

Key Responsibilities





- Perform comprehensive review and analysis of the proposals (for issue of Insurance Surety Bonds) to ensure adherence to established policies and standards under Underwriting philosophy.

- Evaluate the Client-Corporate’s borrower’s creditworthiness and financial stability.

- Identify potential risks and mitigate losses.

- Communicate effectively with internal teams and external clients / agencies to address diligence / compliance / underwriting issues.

- Ensure compliance with regulations of IRDAI.

- Prepare reports summarizing the risks and recommendations.

- Monitor industry trends and updates related to Issue of Surety Bonds and adhere with the changes in the processes.

- Work closely with the underwriting team to resolve proposal processing issues.

Core Competencies/ skills:

A Due Diligence Specialist should possess a unique set of skills and qualifications that are essential in evaluating the risks involved in loan applications, including:

- Robust analytical skills to assess the risk associated with the proposals / applications by examining financial statements, credit ratings / scores, legal documents and other relevant data.





- Excellent attention to detail to ensure all required documents are in order and correctly evaluated.

- Proficiency in relevant financial software and platforms to facilitate efficient due diligence / underwriting processes.

- Proficiency in financial modelling, data analysis tools like Excel and familiarity with regulatory frameworks improve effectiveness.

- Sound knowledge of the relevant Acts / Rules / Regulations.

- Excellent communication skills to liaise effectively with the officials of the Underwriting team, clients, and other relevant parties.

- Decision-making skills to approve proposals / applications or to advise the concerned based on analysed data and company policies.

- Ability to work under pressure and meet tight deadlines, managing multiple proposals / applications simultaneously.

- Customer service skills to professionally and courteously handle client inquiries and concerns.

Qualifications, Age & Experience

- Chartered Accountant (CA) or Company Secretary (CS) or MBA (Finance) preferred.

- Knowledge of AML-KYC regulations and Certification in Due Diligence Process are the additional advantages.

- 2-3 Years of prior experience in banking, corporate finance, audit, or compliance is highly valued. Exposure to processing / sanctioning of Non-Fund Based Limits - Bank Guarantees and issue of Insurance Surety Bonds provides practical insights.

- Analytical mindset with demonstrated success in the due diligence process and proper advise.

- Integrity, transparency and commitment to excellence in the key area/s.

📌 Due Diligence Specialist (Secunderabad)
🏢 Kshema
📍 Secunderabad