Position: Credit Senior Associate– Two & Three -Wheeler Loan Underwriting
Location: Vashi, Navi Mumbai
Experience: 3 – 5 years (strictly within this band), specifically in underwriting two-wheeler
loans for NBFCs
Reporting To: Regional Credit Manager / Head – Credit

About the Role :

ProsParity (Etribe Finance Private Limited) is looking for an experienced Credit Senior
Associate to independently underwrite loans. The ideal candidate will have hands-on, NBFCspecific
two-wheeler and three-wheeler loan underwriting experience within the 3–5 years
band, solid Excel skills, and the ability to take independent credit decisions within defined
policy and delegation limits.

Key Responsibilities :

Independently underwrite loan applications end-to-end, from login to disbursement, in
line with the company's credit policy and risk appetite.
Conduct personal discussions (PD) and telephonic verification of applicants, coapplicants,
and guarantors to assess creditworthiness and intent to pay.
Evaluate income documents, bank statements, bureau reports (CIBIL/Experian/CRIF),




and other KYC/financial documents to arrive at a sound credit decision.
Carry out field/desktop verification coordination (residence, business, employment)
through the verification/FI agencies and validate reports received.
Assess dealer/showroom-level risk, vehicle valuation, and margin/LTV compliance for
each vehicle loan file.
Maintain and analyze underwriting data, portfolio quality (DPD buckets, vintage/cohort
trends), and prepare MIS/reports in Excel for management review.
Ensure adherence to RBI guidelines, internal credit policy, and DPDP Act/KYC-AML
norms in every file underwritten.
Coordinate with sales, operations, and collections teams at the branch to ensure
smooth login-to-disbursement turnaround time (TAT)
Flag early warning signals, fraud indicators, and policy deviations, and recommend
corrective action.
Support portfolio audits, RCU (risk containment unit) queries, and internal/statutory
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📌 Credit Senior Associate (Junagadh)
🏢 ProsParity
📍 Junagadh