Role Overview: We are looking for an experienced Credit Underwriting Specialist with expertise in Secured Loan to join our team. The ideal candidate should have a deep understanding of core LAP. This role is an individual contributor position based in Pune

Key Responsibilities:

- Evaluate MSME/SME or B2B clients' financial health, analyzing balance sheets, P&L; statements, and other financial documents to determine creditworthiness.
- Conduct a thorough risk analysis and determine the appropriate credit limits for clients based on their financials, credit history, and business profile.
- Prepare and review credit proposals, ensuring compliance with internal credit policies, risk management guidelines, and regulatory requirements.
- Build and maintain relationships with internal teams such as Sales, Risk, and Operations to ensure smooth onboarding of clients.
- Ensure timely and accurate processing of credit proposals and approvals.
- Provide recommendations and solutions to clients while adhering to risk guidelines.
- Monitor portfolio performance, identify potential risks, and take appropriate actions to mitigate credit exposure.




- Collaborate with senior management to provide insights on portfolio trends, client profiles, and risk factors.
- Work independently and contribute to the growth and success of the credit underwriting team.

Key Requirements:

- Minimum 3 to 7 years of experience in credit underwriting, with CA or Full time MBA.
- Solid understanding and experience with core Mortgage Loan.
- Proven experience in underwriting MSME/SME credit or B2B portfolios with a focus on limits up to 50 Lac.
- Robust analytical skills and ability to assess financial documents and perform risk assessments.
- Experience working in an individual contributor role, demonstrating self-motivation, initiative, and accountability.
- Previous work experience in an NBFC or Bank is required (no candidates from Fintech or Unsecured Loans).
- Excellent communication and negotiation skills to engage with clients and internal stakeholders.
- Strong attention to detail, with a focus on accuracy and compliance.
- Early joiners will be preferred.

📌 Credit Underwriting Specialist - LAP (Mumbai)
🏢 Jsw One Platforms
📍 Mumbai