Sr. Credit Manager (underwriting) Job in Oxyzo Financial Services
Sr. Credit Manager (underwriting)
- Bengaluru, Bangalore Urban, Karnataka
- Not Disclosed
- Full-time
Sr. Credit Manager (Underwriting)
Location: Bengaluru, India
Employment Type: Full-Time
Experience: 4 8 Years
About OXYZO Financial Services Ltd.
OXYZO Financial Services Ltd., part of the OfBusiness Group, is a fast-growing Fintech NBFC specializing in B2B lending for SMEs and Emerging Corporates. Headquartered in Gurugram, with a presence in 20+ cities across India, OXYZO has built a robust financial portfolio with 8,000 Cr AUM and 300 Cr PAT, backed by marquee investors including Creation Investments, Matrix Partners, Norwest, Tiger Global, and Alpha Wave.
Role Overview
We are seeking a dynamic and detail-oriented Sr. Credit Manager (Underwriting) to lead credit evaluation and risk analysis for SME and corporate loan proposals. Based out of Bengaluru, you ll play a pivotal role in credit appraisal, policy adherence, and risk mitigation across unsecured and secured lending.
Key Responsibilities
- Underwrite and Appraise credit proposals in line with internal policies and turnaround time (TAT).
- Conduct deep-dive Financial Analysis, including P&L, balance sheet, ratio, and cash flow assessments.
- Perform Banking Analysis: identify anchors, repayment trends, credit behavior, and working capital cycles.
- Lead Personal Discussions (PDs) to assess borrower intent, business viability, and ground-level insights.
- Review Statutory Filings: Analyze GST returns, tax filings, and potential liquidity issues.
- Execute Legal & Background Checks to identify red flags or compliance issues.
- Recommend loan approval/rejection decisions based on merit, data, and risk perception.
- Collaborate with Sales, Risk, Operations, and Cross-sell Teams to facilitate end-to-end case closure and business enablement.
- Perform Portfolio Analysis to identify risk trends, exposure limits, and policy recommendations.
Candidate Profile
- Educational Background: Strong academic credentials in Finance, Accounting, or Business.
- Experience: 4 8 years in Credit Underwriting, preferably in SME Lending, NBFC, or Commercial Banking.
- Strong analytical, judgmental, and communication skills.
- Highly self-driven, agile, and capable of working in a fast-paced, target-driven environment.
- Fluency in English and Kannada.
- Comfortable with field-level due diligence and travel as needed.
What We Offer
- Fast-Track Career Growth Step into high-impact, decision-making roles early in your journey.
- Ownership & Autonomy Take full charge of credit decisions and business outcomes.
- Exceptional Peer Group Work with some of the smartest minds in fintech and lending.
- High-Impact Work Shape credit strategy for underserved and high-potential SME segments.
- Competitive Pay Attractive compensation structure with performance-linked rewards.
- Culture That Thrives A high-energy, mission-driven workplace.
