- Santriya Technologies is seeking an AI Credit Decisioning & Underwriting Analyst to assess consumer or business credit applications using approved automated decisioning, risk models and documented underwriting policy, providing human review for exceptions and complex cases.

- Product & documentation operating model: You will be assigned one or more company products, client solutions or operational services.

- The approved product documentation, SOPs, policies, process maps, knowledge articles, release notes, controls, scripts and AI runbooks are the source of truth.

- Use only approved enterprise AI tools to retrieve, summarize, draft, classify, prioritize or automate work.

- Validate material AI outputs against current documentation and authoritative system data, record exceptions, and escalate conflicts or missing guidance.

- Do not invent product features, prices, customer entitlements, engineering limits, regulatory positions or safety instructions.

Key Responsibilities:

- Review application, bureau, banking, financial and fraud information for eligibility and affordability.

- Understand model/score outputs, key drivers and policy rules rather than treating automated decisions as unquestionable.

- Perform manual review for referred, borderline or exception cases with documented rationale.

- Verify customer data and investigate inconsistencies or potential manipulation.

- Apply credit policy,



delegated authority and fair-customer treatment requirements consistently.

- Escalate policy exceptions and model concerns to credit risk owners.

- Track approval, decline, override and performance outcomes to improve policy and models.

- Never use unapproved AI to make or explain credit decisions.

- AI-enabled ways of working:

- Use approved GenAI copilots, enterprise search/RAG, analytics and workflow agents to reduce repetitive work and improve decision preparation.

- Keep prompts, outputs and automated actions within approved data-access, confidentiality and retention rules.

- Correct inaccurate summaries, classifications or recommendations before they become customer, operational or system records.

- Feed recurring AI errors, knowledge gaps and process friction into product, documentation and control improvement.

- Human accountability: AI is a copilot, not the accountable decision-maker.

- The role holder remains responsible for judgement, quality, privacy, security and appropriate escalation.

- Credit, fraud blocking, legal/regulatory, financial advice, safety-critical, clinical, employment and other high-impact decisions must follow delegated authority and required human review.

- Success Measures:

- Decision turnaround improves
- Override quality and consistency improve

- Bad-rate/fraud outcomes stay within appetite

- Decision explanations are documented and defensible

📌 AI Credit Decisioning & Underwriting Analyst (Chennai)
🏢 Santriya Technologies
📍 Chennai