Underwriter Credit & Risk

Job Title: Underwriter – Credit & Risk Company: Pointo (EV Battery Ecosystem)

Location: Barrackpore, Kolkata, West Bengal

CTC: As per company policy

About Pointo

Pointo is building India’s largest battery swapping and financing ecosystem for electric mobility. We enable EV adoption through smart financing, battery lifecycle management, and risk-controlled credit models.

Role Overview

We are looking for a detail-oriented and analytical Underwriter – Credit & Risk who will assess borrower profiles, evaluate creditworthiness, and support scalable lending decisions within the EV ecosystem.

A critical requirement for this role is strong proficiency in Hindi (spoken, written, and comprehension) to effectively evaluate customer interactions, field inputs, and regional documentation.

Key Responsibilities

Credit Assessment & Underwriting

- Evaluate loan applications for EV battery financing and leasing products
- Analyze customer profiles including income, cash flow, bureau reports, and business stability
- Conduct risk-based decisioning aligned with company policies

Risk Evaluation & Control

- Identify potential credit risks and flag high-risk profiles
- Develop and implement underwriting frameworks for new customer segments
- Maintain portfolio quality by ensuring prudent lending decisions

Documentation & Verification

- Review KYC and financial documents (many cases in Hindi/regional format)
- Coordinate with field teams for validation and discrepancy resolution
- Ensure compliance with internal policies and regulatory requirements

Stakeholder Coordination





- Work closely with sales, operations, and collections teams
- Support faster TAT while maintaining risk discipline
- Provide feedback loops to improve sourcing quality

Data & Reporting

- Maintain underwriting logs and decision records
- Track approval/rejection trends and recommend improvements
- Assist in portfolio monitoring and early risk identification

Mandatory Requirement (Critical)

- Fluency in Hindi (Speak, Read, Write, Understand) – mandatory
- Ability to interpret Hindi documents, customer communication, and field reports

Qualifications & Experience

- Bachelor’s degree in Finance, Commerce, Economics, or related field
- 2–5 years of experience in credit underwriting / risk assessment / NBFC / fintech / lending
- Experience in EV financing, vehicle loans, MSME lending, or asset-based lending is preferred

Skills Required

- Solid analytical and decision-making skills
- Understanding of credit bureau reports (CIBIL, Experian, etc.)
- Risk assessment and fraud detection mindset
- Attention to detail and documentation accuracy
- Proficiency in MS Excel / Google Sheets
- Ability to work in a fast-paced, high-growth startup environment

Preferred Profile

- Experience in field-heavy or semi-urban/rural lending models
- Familiarity with North & East India market dynamics
- Prior experience handling Hindi-speaking customer base

Why Join Pointo?

- Be part of India’s fast-growing EV & battery financing ecosystem
- Opportunity to build scalable credit models from the ground up
- High-impact role with strong learning and growth opportunities

📌 Underwriter - Credit & Risk (Barrackpore)
🏢 Pointo
📍 Barrackpore