JobPurpose:

*Responsiblefor evaluating and underwriting loan applications received viadigital channels. Focus on quick, accurate decisioning with policyadherence, KYC verification, fraud checks, and coordination withstakeholders to achieve seamless, paperless disbursements.*

KeyResponsibilities:
- Evaluatedigital loan applications within defined turnaround time (TAT) usingscorecards and policy rules.
- Performdigital KYC, bureau checks, income surrogates, and fraud screening;escalate suspicious cases.
- Prepareconcise credit notes/CAMs for non-STP or exception cases; recommenddecisions as per DOA.
- Ensureaccurate documentation and track post disbursementdocument (PDD) closure where applicable.
- Coordinatewith sales/operations for clarifications, rework, and smoothdisbursement.
- Monitorearly vintage performance/FPD for approved cases and providefeedback to improve filters.
- Adhereto underwriting policy, regulatory requirements,



and internal auditstandards, explicit QA observations PDs of specific cases.

SkillsRequired:
- Stronganalytical and decision-making skills.
- Knowledgeof retail lending credit policies and scorecards.
- Proficiencyin digital KYC, fraud control, and MIS tools.
- Attentionto detail and compliance orientation.

EducationalQualifications and Experience:
- Graduate/ Post-Graduate in Finance, Commerce, or related field.
- 13years in credit appraisal/underwriting; experience indigital/fintech lending preferred.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Digital Credit Manager (Delhi)
🏢 IIFL home finance
📍 Delhi