The People Perspective - Lavish Jain, Senior Credit Manager, Vivriti Capital

Tell us about your journey at Vivriti Capital:

I joined Vivriti over 2.5 years ago as a Credit Manager specializing in Supply Chain Finance (SCF). During this period, I have gained substantial exposure to the entire credit assessment process, from client evaluation and documentation to final disbursement. Vivriti has been a strong platform for me to understand the critical parameters necessary for client assessments, engage directly with customers, and tackle challenges in making cases live.

One of my key achievements has been taking charge of the complete portfolio in North India. This responsibility, along with consistent performance, recently culminated in my promotion to Senior Credit Manager. I am excited to continue contributing to the organization’s success while expanding my skill set and expertise.

How has working with Vivriti Capital aligned with your career aspirations?

Working with Vivriti Capital has closely aligned with my career aspirations. It has provided me with a dynamic platform for professional growth and development in credit management. My role has allowed me to gain a comprehensive understanding of end-to-end credit processes, from initial client assessment to final disbursement, enhancing my analytical skills and strategic thinking.

Additionally, managing the North India portfolio has strengthened my leadership capabilities and decision-making acumen. Vivriti's culture of continuous learning, challenging assignments, and focus on customer-centric solutions has helped me evolve into a more versatile finance professional, setting a strong foundation for future career growth.

What motivates you to excel in the field of credit analysis?

What motivates me to excel in the field of credit analysis is the combination of intellectual challenge, impact, and the opportunity to contribute meaningfully to the financial ecosystem. I am driven by the analytical rigor required to evaluate diverse businesses, identify risks, and make sound lending decisions that align with both profitability and sustainability.

Every transaction offers a unique problem-solving experience, which keeps me engaged and I am constantly learning. The ability to assess a company's financial health, understand its potential, and support its growth through well-structured financial solutions is immensely rewarding. Additionally, I find motivation in the strategic importance of credit analysis, as it directly influences the success and stability of both the lender and the borrower.

Knowing that my work helps safeguard investments while enabling businesses to achieve their goals gives me a sense of purpose and fulfilment, pushing me to continually refine my skills and maintain high standards of performance.

What sets Vivriti apart as a brand?

Vivriti Capital stands out as a brand due to its innovative approach to financial services and its commitment to transforming the mid-market lending landscape in India. Several factors distinguish Vivriti:

• Client-Centric Solutions: Vivriti offers customized financial products tailored to the unique needs of mid-sized enterprises, including SCF. Through SCF, Vivriti provides working capital solutions that strengthen the supply chains of large corporates and their vendors, ensuring liquidity and enhancing business efficiencies.
• Technology-Driven Platform: The firm has built a strong digital infrastructure, leveraging technology to streamline credit processes, enhance risk assessment, and ensure faster turnaround times. This technology integration is crucial for SCF products, as it helps automate invoice discounting, track receivables, and provide timely financing, which is a game-changer in a rapidly evolving financial sector.
• Expertise and Deep Market Understanding: Vivriti’s team comprises professionals with a deep understanding of both credit and risk management, enabling the company to navigate complex credit scenarios with precision. Their expertise in products like SCF allows them to create tailored solutions that optimize working capital cycles for businesses of all sizes.
• Focus on Impact and Sustainability: Beyond financial returns, Vivriti is committed to fostering economic growth and supporting companies that have a positive impact on society. Their SCF solutions, for instance, help SMEs and vendors access capital more easily, promoting inclusivity and supporting smaller players in the value chain.
• Culture of Learning and Growth: Vivriti fosters an environment where learning, employee development, and continuous improvement are prioritized. The exposure to a diverse set of products provides employees with a well-rounded understanding of structured finance.

These attributes make Vivriti Capital a progressive financial institution that is not just providing credit but also shaping the future of the mid-market financing ecosystem in India—especially in the domain of SCF, which is critical for ensuring business continuity and growth.

What is your best memory at Vivriti?

One of my best memories at Vivriti is the annual offsite event, which serves as a platform for teams to bond, collaborate, and create lasting memories. Another key attraction is the VCL Premier League, a spirited sports competition that encourages team members from different functions to come together, compete, and have fun.

These engagement activities go beyond recreation—they foster camaraderie, build stronger inter-team relationships, and promote cross-functional understanding. By bringing employees from various products and departments together, the offsite enhances collaboration, builds synergies, and strengthens the organization’s culture of inclusivity and teamwork.

Such initiatives reflect Vivriti's commitment to nurturing a positive workplace environment, where professional growth and interpersonal connections go hand-in-hand. They play a crucial role in ensuring that employees not only understand their own roles better but also appreciate the broader organizational goals.

Disclaimer:

The views provided here are personal and do not necessarily reflect the views of Vivriti. This article is intended for general information only and does not constitute any legal or other advice or suggestion. This article does not constitute an offer or an invitation to make an offer for any investment.