About the Role

We are looking for a Credit Head to lead the credit and underwriting function, manage lending risk, and ensure responsible portfolio growth through effective credit policies and decision-making.

Key Responsibilities

- Lead the end-to-end credit underwriting and sanction process.

- Develop and implement credit policies, eligibility criteria and risk assessment frameworks.

- Evaluate borrower profiles based on CIBIL, salary, bank statements, employment and repayment capacity.

- Define and monitor lending parameters such as FOIR, loan eligibility and ticket size.

- Monitor portfolio performance, delinquency, defaults and credit losses.

- Analyse repayment behaviour across fresh and repeat customers.

- Develop credit scorecards and borrower risk segmentation.

- Identify early warning signals and potential fraud patterns.





- Review and improve underwriting processes to balance growth and risk.

- Coordinate with Sales, Operations and Collections teams.

- Prepare regular credit performance reports and portfolio analysis.

- Ensure adherence to internal policies and applicable regulatory requirements.

Requirements

- 3-5 years of experience in credit underwriting, risk management or lending.

- Experience in fintech, NBFC or digital lending preferred.

- Strong understanding of credit assessment and loan underwriting.

- Knowledge of CIBIL, bank statement analysis and FOIR.

- Solid analytical skills and proficiency in Excel/Google Sheets.

- Experience in managing credit teams and developing credit policies.

- Ability to make data-driven lending decisions.

📌 Credit Head (New Delhi)
🏢 Unifin Experts
📍 New Delhi