StrideOne - Credit Underwriter - MSME Segment - Gurugram, India - Stride One

    Stride One
    Stride One Gurugram, India

    1 week ago

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    Description

    Company Profile:


    StrideOne, the NBFC, has been setup with the vision to be a leading financial institution for Indian Startups and their ecosystem providing comprehensive financial services distributed digitally.

    We have a "Product First and Client First" approach and hence customize various financial services to the specific needs of the industry that the start-up operates in.

    With the vision to build a one-stop financial institution for startups in India, the journey for Stride as a group has only started.

    An organization is built by its people, and we are thus eager to on-board on this rocket ship, the BEST out there across verticals.


    We have a very open and welcoming culture where we invite honest conversations, analytical thinking without the baggage of bias and weight of hierarchy.

    If you're a team player who is passionate about what they do, have an entrepreneurial quotient and would love to join a growing organization - then come and be a part of the Stride Family


    Job Description:


    As a Credit Underwriter for MSME loans at StrideOne, you will play a crucial role in assessing and analyzing the creditworthiness of potential borrowers to mitigate risk and ensure prudent lending practices.

    You will be responsible for evaluating loan applications, conducting thorough credit assessments, and making informed Review and analyze loan applications for MSME loans, ensuring compliance with internal policies and regulatory requirements.


    • Conduct comprehensive credit assessments, including financial statement analysis, cash flow projections, and risk profiling of potential borrowers.
    • Assess the viability and feasibility of loan proposals by evaluating factors such as business stability, industry trends, and repayment capacity.
    • Verify the accuracy and authenticity of borrower information and documentation provided during the loan application process.
    • Prepare detailed credit memos and risk assessment reports to present findings and recommendations to the credit committee.
    • Monitor and track the performance of existing MSME loan portfolios, identifying potential risks and recommending appropriate remedial Bachelor's degree in Finance, Business Administration, or a related field. MBA or equivalent qualification preferred.
    • 35 years of experience in credit underwriting or risk management, preferably in an NBFC or financial institution.
    • Strong analytical skills with the ability to interpret financial statements and assess creditworthiness.
    • Sound knowledge of MSME lending practices, credit risk analysis, and regulatory requirements.
    • Excellent communication and interpersonal skills, with the ability to collaborate effectively with crossfunctional teams.
    • Detailoriented with a high level of accuracy in documentation and reporting.
    • Ability to thrive in a fastpaced environment and manage multiple priorities effectively.
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