Senior Associate

At Yubi, we're all about freeing the flow of finance between borrowers, lenders, and investors. We're not just a fintech company; we're the world's possibility platform for discovering, investing, fulfilling, and collecting debt solutions. With a recent Series B fundraising round of $137 million, we've become India's fastest fintech unicorn. We're transforming the global institutional debt market through technology and making a real impact. Our two-sided debt marketplace connects institutional and HNI investors with corporate borrowers, making finance more accessible and efficient.

Our Unique Platforms:

• Yubi Loans: Term loans and working capital solutions for enterprises.
  

• Yubi Invest: Bond issuance and investments for institutional and retail participants.
  

• Yubi Pool: End-to-end securitizations and portfolio buyouts.
  

• Yubi Flow: A supply chain platform offering trade financing solutions.
  

• Yubi Co.Lend: Co-lending partnerships for banks and NBFCs.
  

We've already onboarded over 12,000 enterprises and 5,000 investors, facilitating debt volumes of over INR 200,000 crore. Plus, 70% of India's top public and private sector banks and over 100 of India's largest NBFCs are partnering with us. We have Digitized Debt Collection With 100 Million+ accounts processed till Date. 

Backed by marquee investors like Insight Partners, B Capital Group, Dragoneer, Sequoia Capital, LightSpeed, and Lightrock, we're revolutionising the debt market.

Life at Yubi:

Our people are at the core of our business, and we consider them our most valuable assets. We're a dynamic team of over 1,100 like-minded individuals, all motivated and driven to create meaningful change. We work hard, but we also know how to have fun. Join us, and you'll be part of a team that's changing the way people perceive debt.

Position Details:

• Position : Associate - Financial Analyst
  

• Type: Full Time 
  

• Job Location: Chennai 
  

Job Description:

We are seeking a motivated Finance Analyst to ensure the quality and accuracy of automated credit reports and contribute to the development of robust credit analysis frameworks. The role requires a deep understanding of financial documents and analytical expertise to drive reliable credit assessments and scalable solutions.

Key Responsibilities:

1. Vetting Credit Reports:
   

• Validate credit analysis reports generated by automated systems for factual accuracy, logical coherence, and completeness.
  

• Analyse data from financial documents, including annual reports, sanction letters, borrowing profiles, MIS data and other relevant documents, ensuring that all key information is accurately incorporated into the analysis.
  

• Identify inconsistencies or gaps in the reports and recommend improvements to enhance their reliability and usability.
  

• Collaborate with product and data teams to provide feedback for improving automation logic and ensuring alignment with real-world financial practices.
  

1. Framework Development:
   

• Define relevant financial documents and causation logic for credit analysis, designing frameworks tailored to customer segments and scenarios.
  

• Anticipate edge cases where standard frameworks might fail and propose effective mitigation strategies.
  

• Document and standardise processes to support scalability and maintain consistency in credit evaluation practices.
  

• Contribute to periodic reviews of credit assessment frameworks to ensure alignment with changing market dynamics and customer needs.
  

• Conduct research on industry trends, financial regulations, and best practices to enhance credit assessment methodologies.
  

Skills and Qualifications:

• CA professionals with 0-2 years of experience
  

• Exceptional attention to detail with a high level of proficiency in data analysis and numerical reasoning.
  

• Advanced understanding of financial documents and their application in credit and risk analysis.
  

• Strong problem-solving skills to address gaps and inconsistencies in credit frameworks and reports.
  

Join our team to play a pivotal role in enhancing credit report quality and building innovative frameworks that redefine automated financial analysis.