About Us.

We are a fast growing technology startup specializing in enterprise application development, catering to State Governments, Ministries, and leading Banks and Financial Institutions. Our core strength lies in harnessing cutting edge technologies like Artificial Intelligence and Blockchain to build impactful solutions.

Role Overview

We're looking for a Credit Analyst with robust functional expertise in credit underwriting to work closely with our product development team. This is not a traditional underwriting desk role you'll act as the functional/domain expert embedded with engineers, product managers, and business analysts to help design, validate, and refine a credit underwriting product. Your job is to translate real-world underwriting practices, policies, and edge cases into product requirements and logic the team can build.

Key Responsibilities
- Act as the subject matter expert (SME) on credit underwriting for the product development team, bridging the gap between business/functional needs and technical implementation
- Define and document underwriting workflows,



credit assessment criteria, scoring logic, and decisioning rules to be built into the product
- Review credit policies, RBI/regulatory guidelines, and industry underwriting standards, and translate them into functional specifications
- Work with product managers and business analysts to create user stories, process flows, and business requirement documents (BRDs) related to underwriting
- Validate system outputs, test underwriting logic/rules engines, and identify gaps or inconsistencies versus real-world lending practice
- Support UAT (User Acceptance Testing) by designing test cases based on real credit scenarios (income assessment, risk scoring, collateral evaluation, financial ratio analysis, etc.)
- Provide inputs on credit risk parameters financial statement analysis, cash flow assessment, credit bureau data (CIBIL/Experian/Equifax), ratio analysis, banking behavior, etc.
- Stay up

📌 Credit Analyst – Underwriting (India)
🏢 Quadcentrix
📍 India