Job Title: Underwriter – Credit &

- Risk Company: Pointo (EV Battery Ecosystem) Location: Barrackpore, Kolkata, West Bengal CTC: As per company policy 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 Strong 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 Chance to build scalable credit models from the ground up High-impact role with strong learning and growth opportunities

📌 Credit Underwriter (Barrackpore)
🏢 P2G Mobilty Tech Private
📍 Barrackpore