Company Overview

GetVantage is reimagining venture finance in favor of founders. We empower entrepreneurs by providing them with equity-free capital, real-time insights, business optimization tools, and resources through our extensive partner and mentor ecosystem. Our data-driven platform offers non-dilutive growth capital to founders, ranging from US$ 10,000 to US$ 2.5 million, in as fast as 7 days. GetVantage is the leading finance and growth platform offering working capital to thousands of founders and SMEs. Founded in 2019, we are committed to making fundraising frictionless and hassle-free for founders.

Job Overview

We are seeking a highly skilled and motivated Credit Manager to join our team at GetVantage. As a Credit Manager, you will be responsible for managing the credit evaluation and underwriting process for our clients. This role requires a strong understanding of financial analysis, risk assessment, and credit policies. The ideal candidate will have 4 to 6 years of experience in credit management, preferably in the financial services industry. This is a full-time position based in Mumbai, Maharashtra, India.

Qualifications and Skills

• Bachelor's degree in finance, accounting, or a related field CA will be a plus
• 4 to 6 years of experience in credit management, preferably in the financial services industry.
• Strong analytical and financial modeling skills.
• Knowledge of credit evaluation techniques and risk assessment methodologies.
• Familiarity with regulatory requirements and compliance standards.
• Excellent communication and interpersonal skills.
• Ability to work independently and make sound credit decisions.
• Proficiency in financial analysis software and tools.
• Attention to detail and strong organizational skills.

Roles and Responsibilities

• Relevant credit underwriting experience with NBFC, Fin-Tech or banks in unsecured business loans
• Evaluate creditworthiness of clients by analyzing financial statements, credit reports, and other relevant information.
• Assess risk profiles of potential borrowers and make recommendations for credit limits, interest rates, and repayment terms.
• Develop and implement credit policies and procedures to ensure compliance with regulatory requirements.
• Monitor and manage the credit portfolio, including reviewing and updating credit limits, conducting periodic credit reviews, and mitigating credit risks.
• Collaborate with cross-functional teams to gather and analyze data for credit decision-making.
• Provide guidance and support to sales teams regarding credit terms and conditions.
• Maintain relationships with borrowers and handle any credit-related issues or disputes.
• Stay up-to-date with industry trends and best practices in credit management.
• Contribute to the continuous improvement of the credit evaluation and underwriting process.