Credit Saison – Vice President – Wholesale Risk

Credit Saison Finance Pvt Ltd; Bengaluru; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

A growing financial institution in Bengaluru is seeking a Vice President for Wholesale Risk to oversee credit analysis and risk assessment for wholesale deals. The ideal candidate has at least 10 years of experience, is skilled in Excel and PowerPoint, and preferably has a Tier-1 MBA. This role involves portfolio management, due diligence, and defining credit policies.

Qualifications

• Total experience of 10 years.
• SME to guide and coach the business and credit team on best practices.
• Understanding of ESG related and other emerging sectors will be a positive.

Responsibilities

• Screening of proposals for review.
• Conducting due diligence on clients.
• Preparation of CAM materials with risk recommendations.
• Timely monitoring of existing portfolio.
• Defining the credit policy parameters for the vertical.
• Developing views on various sectors.

Skills

10 years of experience

Excellent Excel and PowerPoint skills

Ability to take initiative and run solo

Team player

Clarity in communication

Understanding of ESG related sectors

Tier-1 MBA

Education

Tier-1 MBA

Tools

Excel

PowerPoint

Job description

Vice President – Wholesale Risk – Emerging Corporate

About Credit Saison India:

Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact.

Job Description:

Taking responsibility on the credit analysis and risk assessment for recommendation on wholesale deals in emerging corporate segment and managing the portfolio with the following responsibilities:

• Screening of proposals to be considered for review and due diligence
• Conducting due diligence and field visits on new and existing clients
• Financial and business analysis for client’s risk assessment
• Preparation of CAM related materials with risk recommendations and suggestion on covenants and triggers to safeguard company’s position
• Building and analysing various financial model’s/ cash flows/ projections and scenario analysis
• Timely monitoring of existing portfolio and highlighting early warning signals
• Defining the credit policy parameters for the vertical
• Developing views and guidance on various sectors and sub-segments
• Industry benchmarking and cross portfolio comparison and analysis
• Liaison with other teams and risk team members to ensure regular updates and monitoring of portfolio clients

Skill set required:

• Total experience of 10 years
• SME to guide and coach the business and credit team on best practices and build required processes
• Excellent Excel and PowerPoint skills
• Ability to take initiative and run solo on the work being assigned and gradually look to build and manage a team
• A team player who can work in sync with internal and external stakeholders
• Clarity in communication and confidence to put forward one’s view
• Understanding of ESG related and other emerging sectors will be a positive
• Tier-1 MBA candidates will be preferred

Credit Saison India is an equal opportunities employer and welcomes applications from diverse candidates.