- 2+ years of relevant experience in Credit Appraisal/ Underwriting and Risk Assessment, preferably in NBFC/ Banking, with exposure to Co-Lending.
- Analyze financial statements, banking data, CIBIL reports, cash flows, and repayment capacity to assess creditworthiness.
- Manage co-lending cases and coordinate with external co-lenders/banks/NBFCs for approvals, queries and TAT.
- Ensure loan disbursement as per business plans, credit policies and approved terms.
- Take informed decisions on loan approvals, rejections, deviations and risk mitigants.
- Ensure compliance with RBI/regulatory guidelines, internal policies and credit processes.
- Monitor loan portfolio, repayments and early warning signals to control delinquencies and bad debts.
- Maintain accurate credit records, MIS, portfolio reports and TAT trackers.
- Review and recommend changes in credit policies based on portfolio performance, market conditions and risk trends.
- Coordinate with Sales, Operations, Risk, Legal and Collections teams for smooth business operations.
- Solid MS Excel, analytical, communication, negotiation and stakeholder management skills required.
- Experience in NBFC/Bank/Fintech lending and co-lending preferred.
- MBA freshers may also apply.