Vice President – Wholesale Risk – Emerging Corporate

About Credit Saison India

Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people.

Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact.

Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment.

Job Description

Taking responsibility on the credit analysis and risk assessment for recommendation on wholesale deals in emerging corporate segment and managing the portfolio with the following:

Screening of proposals to be considered for review and due diligence
Conducting due diligence and field visits on new and existing clients
Financial and business analysis for client’s risk assessment
Preparation of CAM related materials with risk recommendations and suggestion on covenants and triggers to safeguard company’s position.
Building and analysing various financial model’s/ cash flows/ projections and scenario analysis
Timely monitoring of existing portfolio and highlighting early warning signals.
Defining the credit policy parameters for the vertical
Developing views and guidance on various sectors and sub-segments. Industry benchmarking and cross portfolio comparison and analysis
Liaison with other teams and risk team members to ensure regular updates and monitoring of portfolio clients.

Skill set required:
Total experience of ~10 years
SME to guide and coach the business and credit team on best practices and build required processes.
Excellent Excel and PowerPoint skills
Ability to take initiative and run solo on the work being assigned and gradually look to build and manage a team. Flexible to take up new initiatives.
A team player who can work in sync with internal and external stakeholders
Clarity in communication and confidence to put forward one’s view
Understanding of ESG related and other emerging sectors will be a positive
Tier-1 MBA candidates will be preferred

VP - Wholesale Risk - Emerging Corporate

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