Senior Associate Credit

3 – 5 Years | 1 Opening | Chennai / Mumbai.

Who we are?

Kaleidofin is a neobank for the informal sector, which provides solutions tailored to the customer’s goals and are intuitive to use. We are working towards creating fair and transparent financial solutions that can target millions of customers and enterprises in India that don’t have easy access to formal financial planning.

In a very short time span, global investors such as Oiko Credit, Flourish, Omidyar Network and Blume Ventures have supported Kaleidofin’s well thought out business model with $8 million in seed and Series A funding.

The company won the Amazon AI Conclave award for Fintech, was one of only ten startups chosen for the Google LaunchPad Accelerator program in 2019, was recognised as India’s Most Innovative Wealth, Asset and Investment Management Service/Product by the Internet & Mobile Association of India (IAMAI) and was selected to present at United Nations General Assembly Special Task Force Event.

With its focus to harness mobile technology to deliver a paperless experience as well as its focus to harness technology and analytics to predict the right product for the right customer, Kaleidofin aims to become a leading FinTech player bringing financial solutions to everyone.

To know more about Kaleidofin, do visit our site

Origination Credit team is an intermediate between the Relationship Managers (RM) and Credit Committee, to assist the RM with the technical expertise during the initial screening of NBFCs, Due Diligence of NBFCs for considering them for on-boarding as a client and taking up quarterly financial/operational analysis of the NBFC post on-boarding.

Due Diligence includes the assessment of corporate strategy, governance, financial position, operational controls and the portfolio performance of the NBFC over the period.

Also, Credit team recommends the terms of the transaction which include financial/operational covenants and the quantum of exposure to Credit Committee for their feedback and supports in the execution of transactions.

What you’ll Do:

  • To review and to provide the independent view on the quarterly financial, operational and portfolio performance of Kaleidofin partners across sectors, prepare credit notes, and provide recommendation to assist in taking further credit exposure on the Kaleidofin’s partners.
  • To develop a thorough understanding of the underlying sectors by assessing credit, regulatory and macro-economic risks.
  • To visit clients to assess the ground level credit risks and identify early warning signals.
  • To complete the quarterly review of the given clients in the portfolio as per the timelines.
  • To perform sector benchmarking and detailed analysis of the operational drivers in the sectors and provide insights from the same.
  • To ensure liaising between business and other internal teams to ensure timely execution of transactions.
  • To visit clients to assess the ground level operational risks.
  • To maintain an up-to-date knowledge of the wider policy, regulatory environment and recent developments in the sector.

Who You Need To Be:

  • CA (preferably 1st attempt) or an MBA from tier I and II B-School.
  • 3 to 5 years of experience in credit underwriting / credit rating of wholesale banking clients.
  • Strong analytical bent of mind. Ability to delve into details is a must.
  • Adaptable, confident, reliable and highly motivated graduates with strong time management skills and the ability to work effectively under pressure.
  • Ability to multi-task and deliver quantitative as well as qualitative outputs consistently at short deadlines
  • Excellent communication skills. Fluency in English is must. Should be able to articulate one’s views clearly.

If you fit the bill, write to me at