About Vivriti GroupVivriti Group is a trailblazer in the mid-market lending space, offering customized debt solutions to mid-sized enterprises. The group operates through two core businesses:Vivriti Capital Limited: A systematically important Non-Banking Financial Company (NBFC ND-SI) regulated by the Reserve Bank of India (RBI). Vivriti Capital has disbursed over USD 3 billion to 300+ enterprise borrowers and holds a CRISIL rating of A+.Vivriti Asset Management: A fixed-income fund manager, managing multiple Alternative Investment Funds (AIFs). With over USD 550 million in commitments from 900+ institutional and private contributors, Vivriti AMC has invested more than USD 600 million across 90+ entities.Manager / Senior Manager – Credit - Mid-Corporate LendingLocation: Mumbai / Gurugram / ChennaiDepartment: CreditAbout the TeamThe Credit team is integral to Vivriti’s mid-corporate lending platform, playing a key role in evaluating creditworthiness, managing risk, and enabling high-quality loan underwriting. We work closely with origination, portfolio, and risk teams to structure and monitor credit facilities for mid-market borrowers across sectors. Our work involves in-depth financial analysis, on-ground due diligence, and timely engagement with internal and external stakeholders.Key Responsibilities- Independently conduct end-to-end credit assessments for new and existing clients, including sector outlook, business model evaluation, financial and credit analysis, and peer benchmarking. - Prepare detailed credit appraisal notes with clear risk identification, mitigation strategies, and recommendations for internal credit committees. - Maintain regular engagement with clients’ senior management (CXOs/CFOs) to understand business performance, strategy, and financial outlook. - Track portfolio companies through a combination of desk reviews and field visits; identify early warning signs and work closely with the relationship team on corrective actions. - Support credit renewal and annual review processes by collaborating with internal stakeholders across business, legal, and compliance. - Form independent views on credit exposures and provide structured recommendations on lending decisions and portfolio actions. - Contribute to cross-functional initiatives, including process improvements, tech adoption, portfolio analytics, and regulatory reporting.Qualifications & Experience- CA / MBA (Finance) with 1–5+ years of relevant experience in credit underwriting or credit risk in the mid-corporate / SME / structured lending segment. - Prior experience in banks, NBFCs, debt funds, rating agencies, or transaction advisory/due diligence roles preferred. - Strong analytical skills with an ability to interpret financial statements, assess financial health, and model business scenarios. - Exceptional written and verbal communication skills, with the ability to articulate complex credit matters clearly and concisely. - Highly detail-oriented, with a strong sense of accountability and the ability to work under tight timelines. - Proficient in Microsoft Excel (financial modeling), PowerPoint, and Word. - Willingness to travel extensively across India for client meetings and on-ground due diligence.What We Offer- A high-impact role in a fast-growing fintech lender transforming debt capital access in India. - Exposure to diverse sectors and innovative credit structures. - Opportunity to work with experienced professionals and thought leaders in credit and risk. - A collaborative work culture that values ownership, transparency, and continuous learning.
Job Title
Credit Manager