Evaluate digital loan applications within definedturnaround 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 orexception 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 approvedcases and provide feedback to improve filters.
Adhere to underwriting policy, regulatoryrequirements, and internal audit standards, explicit QA observations & PDs ofspecific cases.
Skills Required:
Strong analyticaland decision-making skills.
Knowledge ofretail lending credit policies and scorecards.
Proficiency indigital KYC, fraud control, and MIS tools.
Attention todetail and compliance orientation.
Educational Qualifications and Experience:
Graduate /Post-Graduate in Finance, Commerce, or related field.
13 years incredit appraisal/underwriting; experience in digital/fintech lending preferred.
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