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 clear, 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 robust 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 specialists are given preference.

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

Perks:
Cell phone reimbursement

Work Location: In person

📌 Credit Underwriter Thrissur
🏢 Jmj finance
📍 Thrissur