ZipLoan - AVP - Credit - Unsecured Lending

7 - 9 Years

Mumbai

Posted 5 years ago

#Credit Analysis #Banking #CA #Underwriting #Retail Banking #Credit Risk #Risk Management

About the company

ZipLoan is a technology-led small business financing company on a mission to make hassle-free credit available to deserving small businesses. Through its proprietary credit scoring methodology called ZipScore, lean operations and a unique co-lending model with leading banks and NBFCs, ZipLoan is able to provide working capital loans of up to INR 5 lakhs to small businesses at a fraction of a cost as compared to traditional lenders. ZipLoan is currently operational in Delhi and Indore.

For more information visit: www.ziploan.in. We are currently hiring and are looking for people with enthusiasm, motivation and energy who are willing to work in a start-up environment.

Job Description

AVP-Credit will manage a team responsible for credit underwriting. Some of the key elements that we intend the AVP-Credit to imbibe are as follows-

1) Improving efficiency- Retail lending is largely a business of getting the processes right. Thus, AVP-Credit should aim at improving processes and systems such that we are able to scale the business in an efficient manner.

2) Appetite to take calculated risks- at ZipLoan, we are aiming to address a segment that Financial Institutions have historically shied away from. Thus, the person should be willing to identify opportunities and assess the risk before attempting such a segment.

Responsibilities :

- Enable high quality growth for the retail loan business to meet our strategic objective of AUM in the next 3 - 4 years.

- Deliver a profitable Small Business Loan book with immaculate portfolio quality by growing all the revenue pools and business segments

- The role of the AVP - Credit requires a deep understanding and hands on experience of unsecured business loans to businesses & Self-Employed professionals as well as industry knowledge & market intelligence.

- Most critical is to have an in-depth understanding of customer needs and design products, processes which deliver differentiated service level.

Position requirements :

- MBA (Finance)/ CA