Responsibilities:
Evaluate digital loan applications within defined turnaround time (TAT) using scorecards and policy rules.
Perform digital KYC, bureau checks, income surrogates, and fraud screening; escalate suspicious cases.
Prepare concise credit notes/CAMs for non-STP or exception cases; recommend decisions as per DOA.
Ensure accurate documentation and track post ? disbursement document (PDD) closure where applicable.
Coordinate with sales/operations for clarifications, rework, and smooth disbursement.
Monitor early vintage performance/FPD for approved cases and provide feedback to improve filters.
Adhere to underwriting policy, regulatory requirements, and internal audit standards,
explicit QA observations PDs of specific cases.
Skills
Required:
Robust analytical and decision-making skills.
Knowledge of retail lending credit policies and scorecards.
Proficiency in digital KYC, fraud control, and MIS tools.
Attention to detail and compliance orientation.
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