Sr. Executive - Credit Underwriter

moglix; Sector 10; On-site; INR 500,000 - 700,000; Full time

Job summary

moglix is seeking Exec/Sr. Exec - Credit to evaluate and underwrite credit proposals across Working Capital, Supply Chain, and Export Finance. You will analyze financials, assess risk, and structure credit facilities to support growth.

Ideal candidates hold CA or MBA (Finance), 1–3 years in credit underwriting or related risk roles, and prior exposure to Banks, NBFCs, or Fintechs. You will engage with stakeholders to ensure sound, compliant decisions.

Qualifications

• CA or MBA (Finance) with 1–3 years of experience in credit underwriting, risk management, corporate credit, trade finance, working capital finance and supply chain finance.
• Experience in Banks, NBFCs or fintechs is preferred.
• Strong understanding of financial statement analysis, credit appraisal, and lending principles.

Responsibilities

• Evaluate and underwrite credit proposals for Working Capital, Supply Chain Finance, and Export Finance transactions.
• Analyze financial statements, bank statements, GST returns, cash flows, and business performance to assess creditworthiness.
• Conduct comprehensive risk assessments covering customer, transaction, industry, operational, and fraud risks.
• Engage with promoters, directors and CXOs and perform site visits to operating/manufacturing facilities for due diligence.
• Assess repayment capacity, working capital needs, and transaction viability to recommend credit limits.
• Structure proposals, recommend mitigations, and present cases for approval to Credit Committee or authority.
• Monitor portfolio quality, identify early warning signals, and recommend corrective actions to minimize losses.
• Collaborate with Business, Operations, and stakeholders to enable timely credit decisions and execution.
• Review underwriting processes and contribute to policy enhancements and risk analytics.
• Prepare credit appraisal notes, portfolio MIS, and risk reports for management.

Skills

Credit Underwriting

Risk Assessment & Mitigation

Portfolio Risk Management

Education

CA or MBA (Finance)

Job description

Role & responsibilities:

The Exec/Sr. Exec - Credit will be responsible for evaluating and underwriting credit proposals for Working Capital, Structured Finance, Supply Chain Finance and Export Finance products. The role involves assessing borrower and transaction risk, conducting detailed financial and credit analysis, recommending appropriate credit structures, and ensuring sound underwriting decisions while supporting business growth.

Key Skills

• Credit Underwriting
• Risk Assessment & Mitigation
• Portfolio Risk Management

Key Responsibilities

• Evaluate and underwrite credit proposals for Working Capital, Supply Chain Finance, and Export Finance transactions.
• Analyze financial statements, bank statements, GST returns, cash flows, and business performance to assess creditworthiness.
• Conduct comprehensive risk assessments covering customer, transaction, industry, operational, and fraud risks.
• Conduct detailed due diligence by engaging with promoters, directors and CXOs and performing site visits to operating and manufacturing facilities.
• Assess borrower repayment capacity, working capital requirements, and transaction viability to recommend appropriate credit limits.
• Structure credit proposals, recommend risk mitigation measures, and present cases for approval to the Credit Committee or approving authority.
• Monitor portfolio quality, identify early warning signals, and recommend corrective actions to minimize credit losses.
• Collaborate closely with Business, Operations, and other stakeholders to facilitate timely credit decisions and transaction execution.
• Continuously review underwriting processes and contribute to policy enhancements, automation initiatives, and risk analytics.
• Prepare credit appraisal notes, portfolio MIS, and risk reports for management review.

Preferred candidate profile:

• CA or MBA (Finance).
• 1-3 years of experience in Credit Underwriting, Risk Management, Corporate Credit, Trade Finance, Working Capital Finance, and Supply Chain Finance.
• Prior experience in Banks, NBFCs, or Fintechs.
• Strong understanding of financial statement analysis, credit appraisal, and lending principles.