Senior Credit Manager - Credit & Risk Team - FinTech Startup - CA

Job Title: Senior Credit Manager

Location: Bangalore

Industry: Financial Technology (FinTech)

About Us:

We are a rapidly scaling, Bangalore-based FinTech startup backed by top-tier venture capital firms and marquee angel investors from the Indian startup ecosystem. Our mission is to revolutionize the wealth management industry by democratizing debt investment options. We provide retail investors access to premium, risk-adjusted debt products (yielding 9 - 12%) that were traditionally reserved for high-net-worth individuals. With over 1 million registered investors on our platform and a track record of ~INR 10,000 crores in bond subscriptions, we are building the future of inclusive investing in India.

About the Role:

We are looking for a highly analytical Senior Credit Manager to join our Credit & Risk team. The primary objective of this role is to conduct independent analyses of NBFC partners, prepare comprehensive due diligence reports, and provide actionable recommendations regarding credit exposure.

Key Responsibilities:

- Conduct detailed quarterly financial, operational, and portfolio reviews of financial institutions across various sectors.

- Prepare in-depth credit notes and provide data-driven recommendations to assist the risk committee in managing credit exposure.

- Carry out field and head-office visits of NBFC partners as a core part of the due diligence and quarterly review process.

- Assess ground-level credit risks during client visits and proactively identify early warning signals.

- Perform comprehensive sector benchmarking and detailed analysis of operational drivers within the Indian financial ecosystem.

Eligibility & Requirements:

- Education: Qualified Chartered Accountant (CA).

- Experience: 1 to 2 years of dedicated experience in credit underwriting, strictly within an NBFC or Banking environment.

- Industry Knowledge: Deep-rooted interest in the dynamics and growth of the Indian financial sector.

- Core Traits: Exceptional communication skills, a highly proactive self-learning approach, and a strong sense of urgency and ownership in a fast-paced startup environment.