- CA or MBA preferred

- Minimum 10+ years of experience in NBFC/Fintech/Banking industry with a focus on Credit Underwriting

- Prior experience in policy design, underwriting governance, or risk management is essential

- Team management experience requiredRole & responsibilities

Policy &

- Underwriting Governance

- Own end-to-end credit underwriting policy and governance across lending products, setting direction in line with business strategy and risk appetite

- Drive periodic policy reviews and recalibration based on portfolio performance, market dynamics, and emerging risk trends, presenting recommendations to senior leadership

- Act as the final point of accountability for ensuring underwriting decisions remain consistent with regulatory guidelines and internal governance standards

Process Design &

- Optimization

- Architect and continuously reengineer end-to-end underwriting workflows to support efficiency, accuracy, and scale as the portfolio grows

- Set the standard for SOPs, checklists, and process documentation, ensuring consistent adoption across teams

- Partner closely with technology and product leadership to prioritize and drive automation and system enhancements in underwriting

Risk Identification &

- Mitigation

- Proactively identify emerging underwriting risks across products, channels, and customer segments before they materialize at scale

- Design and champion risk mitigation strategies and early-warning mechanisms across the underwriting lifecycle

- Build and continuously strengthen control mechanisms to minimize fraud incidents and credit losses

Portfolio Risk Assessment &

- Stress Analysis

- Lead periodic risk assessments and portfolio health reviews across products and vintages, owning the narrative on portfolio quality





- Design and run stress testing and scenario analysis to evaluate portfolio resilience under adverse conditions

- Convert assessment findings into concrete policy or process changes, and brief senior leadership on key risk shifts

Audit &

- Compliance

- Serve as the senior point of contact for internal and external auditors on all underwriting-related audits and reviews

- Own timely closure of audit observations and drive continuous strengthening of control frameworks

- Ensure full compliance with RBI/NBFC regulatory requirements and internal governance norms across the underwriting function

Training &

- Capability Building

- Set the capability-building agenda for the underwriting function, designing and facilitating training programs at scale

- Build, lead, and mentor a high-performing team of underwriters, setting the bar for performance and quality standards

- Own goal-setting, performance management, and succession planning for the underwriting team

Data Analytics &

- Reporting

- Leverage data analytics to monitor credit performance, delinquency trends, and portfolio quality at a strategic level

- Own the dashboards and MIS reporting suite that tracks key underwriting and risk metrics for the organization

- Present risk insights, trends, and strategic recommendations directly to senior leadership and key

Preferred candidate profile

- Strong analytical mindset with the ability to translate portfolio data into actionable risk insights

- Deep understanding of credit risk, fraud patterns, and control design in a lending setting

- Proven experience building or refining underwriting policies at scale

- Comfortable working cross-functionally with Risk, Compliance, Audit, and Business teams

- Demonstrated people leadership has managed or mentored a team previously

- Detail-oriented, process-driven, and comfortable operating in a fast-paced NBFC/fintech setting

📌 AVP - Underwriting (Mumbai)
🏢 Epimoney
📍 Mumbai