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, robust 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 containmen

📌 Credit Senior Associate (India)
🏢 ProsParity
📍 India