Job Responsibilities :

- Perform preliminary analysis and scrutiny of retail/individual loan applications, conducting end-to-end verification of CIBIL reports, bank statements, salary slips, and KYC documentation.
- Evaluate income, repayment capacity, and debt obligations to assess credit risk and make accurate, data-driven underwriting decisions with minimal error rates.
- Maintain meticulous documentation of approved and declined cases, ensuring a explicit, objective rationale is recorded for every credit decision.
- Conduct monthly portfolio analysis to closely track overall performance, identify risk trends, and flag potential vulnerabilities early.
- Collaborate with risk and policy teams to define key risk parameters, optimize credit frameworks, and continuously improve lending processes.

Required Qualification :





- 2–5 years of experience in credit analysis and underwriting within Fin Tech, NBFC, or digital lending environments.
- Possessing strong analytical, financial assessment, and data reporting skills.
- Having a solid understanding of credit risk frameworks, underwriting standards, and the overall lending lifecycle.
- Comfortable making quick, accurate, and independent credit decisions while maintaining high attention to detail.
- Taking complete ownership of your portfolio analysis and enjoying driving continuous improvement through constructive feedback.

English speaking professionals are given preference.

Pay: ₹20,000.00 - ₹30,000.00 per month

Benefits:

- Cell phone reimbursement

Work Location: In person

📌 Credit Underwriter (India)
🏢 jmj Finance
📍 India