Associate - Credit Analyst

About YUBI

Yubi, formerly known as CredAvenue, is re-defining global debt markets by freeing the flow of finance between borrowers, lenders, and ;We are the worlds possibility platform for the discovery, investment, fulfilment, and collection of any debt At Yubi, opportunities are plenty and we equip you with tools to seize
In March 2022, we becameIndia s fastest fintech and most impactful startup to join the unicorn clubwith a Series B fundraising round of $137

In 2020, we began our journey with a vision of transforming and deepening the global institutional debt market through Our two-sided debt marketplace helps institutional and HNI investors find the widest network of corporate borrowers and debt products on one side and helps corporates to discover investors and access debt capital efficiently on the other Switching between platforms is easy, which means investors can lend, invest and trade bonds - all in one All 5 of our platforms shake up the traditional debt ecosystem and offer new ways of digital ;

Yubi Loans Term loans and working capital solutions for

Yubi Invest Bond issuance and investments for insitituational and retail

Yubi Pool End-to-end securitisations and portfolio

Yubi Flow A supply chain platform that offers trade financing

Yubi For banks and NBFCs for co-lending

Currently, we have onboarded over 4000+ corporates, 350+ investors and have facilitated debt volumes of over INR 40,000

Backed by marquee investors like Insight Partners, B Capital Group, Dragoneer, Sequoia Capital, LightSpeed and Lightrock, we are the only-of-its-kind debt platform globally, revolutionizing the

At Yubi, People are at the core of the business and our most valuable Yubi is constantly growing, with 650+ like-minded individuals today, who are changing the way people perceive We are a fun bunch who are highly motivated and driven to create a purposeful ;Come, join the club to be a part of our epic growth

Responsibilities

• About the team and Role:
  
• Credit team analyse the credit profile of corporate clients in Yubi marketplace on a regular basis and present the analysis to investors to help them in making informed The team monitor the clients through desk analysis, telephonic / in person discussions with managements and field The entire workflow of data collation, analysis and presentation happens in Yubi with the support of technology, data engineering and data
  
• Comprehensive credit risk assessment of Yubis clients on continuous basis through desk review and on-field monitoring; keep a close watch on allocated portfolio clients
  
• Able to hold conversations and engage with client s senior management and present the client s credit profile to internal Credit Committee and investors in Yubi marketplace to support their decision making on client
  
• Capable of forming a view and suggesting course of action with regards to investors exposures to clients in Yubi marketplace
  
• Industry and market studies to understand the operating environment of the borrower and form a sectoral outlook
  
• Involve with internal technology teams on tech projects for continuous enhancement of the Yubi marketplace
  

An opportunity to play a formative role in an ambitious financial services marketplace spanning investment banking, debt capital markets, institutional finance, retail lending and asset management

A journey that will challenge and reward you in a manner few others will

Requirements

• Qualification: CA with 1-2 years of relevant credit assessment experience
  
• Structured credit/lending or portfolio/credit monitoring teams of Banks / NBFCs / PE / Debt funds / Rating agencies
  
• Experience in handling due diligence or transaction
  
• Be brilliant with numbers, analysing financial statements, managing, and interpreting data and solving problems - to aid in credit underwriting
  
• Have excellent report writing and communicationskills
  
• Possess a good eye for detail and have demonstrated ability to work undertight timelines
  
• Be willing to travel extensively pan-India for on-field monitoring of clients
  

Benefits

• Apart from the unique opportunity of transforming the debt market, our benefits include:
  
• Best in industry healthcare for you and your family: Life insurance (10X your Fixed annual CTC) and Critical Illness cover (7X your Fixed annual CTC)
  
• Generous health insurance for you as well as your dependents, including parents or parents in-laws up to INR 800,000 for self and dependents
  
• One can never stop learning so we have a dedicated budget of INR 75,000/year that you can use towards pursuing learning programs/certifications/attending conferences
  
• Childcare reimbursement of 15k per month per child for all working parents towards nanny/creche expenses
  
• Food is on the house So that you can focus on what matters the most
  
• Best in class maternity & paternity benefits
  

An opportunity to play a formative role in an ambitious financial services marketplace spanning investment banking, debt capital markets, institutional finance, retail lending and asset A journey that will challenge and reward you in a manner few others will