Job Title: Credit Underwriter

Experience: 2-4 Years

Location: Mumbai, Andheri

Industry: NBFC / FINTECH

Working Days / Shift Timing: Monday to Saturday

Type: Full time | On-site

Kindly share your resume at [email protected]

About the Company

FDPL Finance Pvt. Ltd. is a Mumbai-based Non-Banking Financial Company (NBFC) operating in the BFSI and digital lending space. Understanding customer behaviour across acquisition, engagement, and retention is central to how the company designs products, campaigns, and customer experiences.standards.

Role Overview

We are looking for a detail-oriented Credit Underwriter to evaluate salaried loan applications based on income documents, banking behaviour, and credit bureau reports. The role focuses on quick and accurate decision-making while maintaining compliance and portfolio quality.

Job Summary:

The Credit Underwriter is responsible for assessing loan applications for salaried customers by reviewing salary slips, bank statements, and bureau reports. The role ensures that credit decisions are aligned with company policies, risk parameters, and turnaround time requirements.

Key Responsibilities

- Evaluate salaried loan applications based on salary slips, bank statements, and bureau reports
- Verify income stability, employer profile, and repayment capacity




- Analyse banking behaviour (salary credits, obligations, EMI patterns, etc.)
- Review credit bureau reports (CIBIL/Experian) for eligibility and risk assessment
- Identify discrepancies, red flags, or potential fraud cases and escalate
- Take approval/rejection decisions as per policy guidelines
- Coordinate with Sales, CPV, and Operations teams for query resolution
- Maintain TAT (Turnaround Time) for case processing
- Ensure proper documentation and adherence to credit policies
- Maintain data accuracy and audit readiness

Eligibility / Qualification

- Graduate in any discipline (Commerce/Finance preferred)
- 2–3 years of experience in Credit Underwriting (Salaried segment preferred)

Experience Required

- Experience in Banking, NBFC, or Fintech
- Exposure to Personal Loans / Consumer Loans (Salaried cases)
- Hands-on experience in bureau analysis and banking checks

Required Skills

- Strong understanding of salary-based underwriting
- Knowledge of bureau analysis (CIBIL/Experian)
- Attention to detail and decision-making ability
- Good coordination and communication skills
- Ability to manage volumes and meet TAT
- Basic Excel and system handling skills
- Problem-solving and risk identification ability

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