Career Opportunities at M1xchange

Credit Analyst

About Us:

M1Xchange is an RBI licensed TReDS platform (Trade Receivables Discounting System) enabling thousands of MSMEs to get their receivables paid early and grow their business. The platform enables MSMEs to discount their approved invoices pending with corporate buyers’ basis a unique bidding model from 55+ banks and NBFCs to get the best interest rates for the transaction. With a focus on driving financial inclusion and providing cutting-edge services, we are poised for rapid growth and expansion.

Job Responsibilities:

  • Evaluating the creditworthiness of potential customers based upon multiple online and offline data sources.
  • Conducting personal discussions with customers to clarify all open questions.
  • Decision applications based on creditworthiness and business outlook.
  • Deciding trade credit for borrowers (lending amount & period). 
  • Adhering to strict TAT for underwriting applications
  • Maintaining quality of underwriting as per SOP
  • Monitoring loan payments and bad debts.
  • Reviewing and updating the company’s credit policy.
  • Defining early warning signals to track portfolio performance.
  • Work with policy/product/operations team to ensure the right risk parameters are captured and assessed.

Profile and Qualifications:

  • Qualification: CA/MBA Finance/B. Com(H).
  • Must have a minimum 2 years of work experience in SME underwriting for products like Invoice Finance, Business Loans; prior experience in Fintech/NBFCs preferred.
  • Thorough understanding of SME Financing, Supply Chain Finance and Credit processes.
  • Good at market intelligence, should be able to provide inputs & feedback for policy and process improvement.
  • Eye for detail/Diligent Personality.
  • Good communication and interpersonal skills.
  • Proficient in MS Excel and ability to bring out insights from data.
  • Experience in setting up strong credit underwriting processes and scale them.
  • Effective verbal and written communication
  • Work Experience in BFSI / Fintech (financial services industry) is a plus point.
  • Ability to adapt to a fast-paced environment and manage multiple priorities simultaneously.
  • Problem-solving mindset with strong analytical skills.

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