Responsibilities
- Analyse loan applications and assess borrower repayment capacity.
- Conduct financial analysis using bank statements, ITRs, GST returns, bureau reports, financial statements, and other supporting documents.
- Prepare detailed credit appraisal notes and recommend approval, decline, or conditional approval.
- Verify income, business stability, cash flows, leverage, and repayment behaviour.
- Evaluate collateral and security aspects for secured lending products.
- Ensure compliance with internal credit policies, lending guidelines, and regulatory requirements.
- Coordinate with sales, operations, legal, technical, and collections teams during the underwriting process.
- Identify potential fraud, policy deviations, and credit risks.
- Monitor portfolio quality trends and provide feedback for policy improvements.
- Support automation initiatives by assisting in refinement of underwriting rules and BRE Requirements.
- Products Covered Personal Loans Business Loans Loan Against Property (LAP) Loan Against Securities (LAS) EV Loans Other retail and SME lending products.
Desired Candidate Profile
- Educational Qualification CFA / B.Com / M.Com or equivalent qualification.
- Experience 2-5 years of relevant credit underwriting experience in NBFC, Bank, Fintech, HFC, or lending institution.
- Experience in retail and SME lending preferred.
Technical Skills
- Financial statement analysis.
- Bank statement assessment and cash flow analysis.
- Credit bureau report interpretation.
- Knowledge of GST and ITR analysis.
- Understanding of collateral assessment and secured lending.
- Strong Excel and analytical skills.
- Familiarity with LOS/LMS platforms and digital underwriting systems.
Competencies
- Strong analytical and decision-making ability.
- Attention to detail.
- Risk assessment mindset.
- Good communication and documentation skills.
- Ability to work in a quick-paced lending environment.
Key Performance Indicators (KPIs)
- Credit TAT adherence.
- Portfoli