Credit Manager

FinAGG Technologies Private Limited (“FinAGG”) is a Fintech company that has built a technology.

We, through our product, “Quick Cash Flow”, provide a credit line to MSME distributors and retailers

FinAGG is a profit making entity working with RBI, HDFC, IDFC and other banks and brands like Godrej, whirlpool, bata, ITC, HUL etc.

FINAGG has processed more than 1000 cr loans in the last 2 years.

FinAGG currently works with 21+ Large corporations in FMCG, CPG, Consumer Electronic areas and has provided credit to over 0.4 Mn Retailers. It Has more than 150 employees and is looking for expansion as it has Recently received 2nd funding.

• Analysis of Financial Statement, Bank statement and other key parameters to check the credit worthiness for Unsecured Working Capital Loan.

• Personal discussion with clients to understand the business model & financial aspects to justify the working capital gap and to establish Credit worthiness.

• Maintaining strict TAT for credit application analysed and Providing Credit-related inputs for deciding variables of the algorithms and help Data Scientists for Credit-worthiness Model

·Credit approval and ensuring approval is within TAT

·Interact with the client, gather requirements, financial statements and other inputs for performing quality Credit analysis and due diligence. (For renewal & new borrowers)

·To ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.

• Checking and appraising proposals, scrutinizing documents including SOA analysis, Cibil analysis ensuring proper KYC etc before sanctioning with proper TAT and Quality and presenting the same to Credit manager/Senior credit managers at HO directly or through Credit team at HO

·To prepare Credit Appraisal Memo (CAM).

• Responsible for Credit Assessment

·To coordinate with sales to achieve targets and ensure TAT or SLAs are met.

·To ensure credit policy adherence to the accepted standards.

·To control and contain front-end delinquencies by calling up customers on the first presentation.

·Work closely with RM/Product partners in structuring Credit solutions and ensuring appropriateness of the products, and expediting approvals

Please feel free to contact me for more information.

Thanks & Regards

Bhawna

HR

bhawna@finagg.in