Job Role: Credit Underwriting & Risk Manager

Role Summary: The Credit Underwriter is responsible for assessing the creditworthiness of borrowers, evaluating financial and non -financial risks, and recommending approval, modification, or rejection of loan applications in line with NBFC credit policy and RBI guidelines.

Key Responsibilities • Credit Assessment & Underwriting
• Evaluate loan applications by analyzing financial statements, income documents, bank statements, GST returns, and other supporting information depending on customer profile (salaried / self-employed / MSME).
• Review credit bureau reports (CIBIL/Experian/CRIF/Equifax) for score, repayment track, existing obligations, write -offs, and settlements.
• Assess repayment capacity using FOIR, DSCR, and other key ratios, and understand business vintage, stability, and cash -flow patterns.
• For secured products, evaluate collateral comfort through LTV, valuation and legal reports, and overall security coverage.
• Decisioning & Deal Structuring
• Prepare concise credit notes / CAMs summarising risk assessment,



strengths, weaknesses, and recommendations (approve/modify / decline) within defined authority limits.
• Structure deals appropriately (tenor, amount, co -applicants/guarantors, security, covenants) to balance risk and business potential.
• Ensure all underwriting decisions are in line with internal credit policies, RBI norms, and product program guidelines.
• Coordination & TAT Management
• Work closely with sales, operations, KYC, legal, technical, and collections teams to resolve queries and move cases smoothly from login to disbursement while meeting TAT benchmarks.
• Provide explicit feedback to sourcing teams on declined/reworked cases to improve file quality.
• Portfolio Quality & Risk Monitoring
• Identify early warning signals such as adverse bureau behaviour, high FOIR, frequent banking bounces, or negative market feedback at the underwriting stage and highlight to seniors.
• Participate i

📌 Credit Underwriter and Risk Manager (Gurugram)
🏢 Z1N Capital
📍 Gurugram