Role Overview:
You will be joining the Credit team at Vivriti Group as a Manager/Senior Manager in the mid-corporate lending segment. Your role will involve conducting end-to-end credit assessments, preparing detailed credit appraisal notes, maintaining client engagement, tracking portfolio companies, supporting credit renewal processes, forming independent views on credit exposures, and contributing to cross-functional initiatives.

Key Responsibilities:
- Independently conduct end-to-end credit assessments for new and existing clients, including sector outlook, business model evaluation, financial and credit analysis, and peer benchmarking.
- Prepare detailed credit appraisal notes with transparent risk identification, mitigation strategies, and recommendations for internal credit committees.
- Maintain regular engagement with clients senior management (CXOs/CFOs) to understand business performance, strategy, and financial outlook.
- Track portfolio companies through a combination of desk reviews and field visits; identify early warning signs and work closely with the relationship team on corrective actions.
- Support credit renewal and annual review processes by collaborating with internal stakeholders across business, legal, and compliance.
- Form independent views on credit exposures and provide structured recommendations on lending decisions and portfolio actions.
- Contribute to cross-functional initiatives, including process improvements, tech adoption, portfolio analytics, and regulatory reporting.

Qualifications & Experience:
- CA / MBA (Finance) with 15+ years of relevant experience in credit underwriting or credit risk in the mid-corporate / SME / structured lending segment.
- Prior experience in banks, NBFCs, debt funds, rating agencies, or transaction advisory/due diligence roles preferred.
- Strong analytical skills with an ability to interpret financial statements, assess financial health, and model business scenarios.
- Exceptional written and verbal communication skills, with the ability to articulate complex credit matters clearly and concisely.
- Highly detail-oriented, with a strong sense of accountability and the ability to work under tight timelines.
- Proficient in Microsoft Excel (financial modeling), PowerPoint, and Word.
- Willingness to travel extensively across India for client meetings and on-ground due diligence. Role Overview:
You will be joining the Credit team at Vivriti Group as a Manager/Senior Manager in the mid-corporate lending segment. Your role will involve conducting end-to-end credit assessments, preparing detailed credit appraisal notes, maintaining client engagement, tracking portfolio companies, supporting credit renewal processes, forming independent views on credit exposures, and contributing to cross-functional initiatives.

Key Responsibilities:
- Independently conduct end-to-end credit assessments for new and existing clients, including sector outlook, business model evaluation, financial and credit analysis, and peer benchmarking.
- Prepare detailed credit appraisal notes with transparent risk identification, mitigation strategies, and recommendations for internal credit committees.
- Maintain regular engagement with clients senior management (CXOs/CFOs) to understand business performance, strategy, and financial outlook.
- Track portfolio companies through a combination of desk reviews and field visits; identify early warning signs and work closely with the relationship team on corrective actions.
- Support credit renewal and annual review processes by collaborating with internal stakeholders across business, legal, and compliance.
- Form independent views on credit exposures and provide structured recommendations on lending decisions and portfolio actions.
- Contribute to cross-functional initiatives, including process improvements, tech adoption, portfolio analytics, and regulatory reporting.

Qualifications & Experience:
- CA / MBA (Finance) with 15+ years of relevant experience in credit underwriting or credit risk in the mid-corporate / SME / structured lending segment.
- Prior experience in banks, NBFCs, debt funds, rating agencies, or transaction advisory/due diligence roles preferred.
- Strong analytical skills with an ability to interpret financial statements, assess financial health, and model business scenarios.
- Exceptional written and verbal communication skills, with the ability to articulate complex credit matters clearly and concisely.
- Highly detail-oriented, with a strong sense of accountability and the ability to work under tight timelines.
- Proficient in Microsoft Excel (financial modeling), PowerPoint, and Word.
- Willingness to travel extensively across India for client meetings and on-ground due diligence.