Associate Manager -underwriting Job in Udaan

Role Description Function: Finance Reports to: Business Finance Lead Deciding trade credit for buyers (lending amount & period) Responsible completion of timely credit appraisals Adhering to strict TAT for underwriting files Maintaining quality of underwriting as per SOP Recommending deviation cases to the higher level or approving authority as per delegation matrix Vendor Management Partner with Business & Finance head and create monthly & annual operating plans and ensure timely submission of the plans to the central teams. Own and deliver in-depth analysis of the overall financial and operational performance of the business (Financial, Operational, Marketing, Sales, etc.), identify red flags and propose ways to bridge them Ensure analysis findings are actioned upon and continuous feedback is collected and utilized to fine-tune the approach Solve business problems and aid the decision-making process by using predictive modelling on internal and external data Track performance against plan, provide performance insights with detailed recovery actions for gaps Build dashboards/coherent scorecards to drive strategic thinking in the category Collaborate with cross functional teams to drive business and improve processes KRAs: Delinquency Management Maintain lower NPAs TAT Management Strict TAT to be maintained for underwriting files Managing Quality of Processing to maintain quality of underwriting adhering to SOP Vendor Management coordinate with vendors for getting various verification done for customers Candidate Profile Qualification: CA/MBA Finance/B. Com Must have a minimum 1 - 3 years of work experience in SME underwriting for products like Invoice Finance, Business Loans; prior experience in Fintech/NBFCs preferred Thorough understanding of SME Financing and Credit processes Good at market intelligence, should be able to provide inputs & feedback for policy and process improvement Eye for detail/Diligent Personalit Functional Competencies Problem solving: Solve business problem with multiple data streams impacting decision making. Data driven/ analytical: Process and analyse volume of multiple data streams to enable meeting business targets. Collaborative skills: Cross-functional working and engagement with senior leaders to create success. Seamlessly navigate relationship dynamics in a high growth, young, agile business environment. Results orientation: Deliver on daily numbers, short-term goals and long-term milestones set by business and efficacy. Strong business and commercial acumen What we offer Hybrid work model Robust insurance policy (medical, accidental) Car lease through vendors Gratuity