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 clear 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 in periodic portfolio reviews to understand delinquency trends, modify underwriting filters, and suggest policy/process improvements.
- Support audits, compliance reviews, and internal control checks by maintaining complete and accurate documentation of all underwriting decisions.
- Process & Policy Support
- Provide inputs for refinement of scorecards, underwriting checklists, and product programs based on on -ground experience.
- Contribute to the training of current RMs/DSAs on documentation quality and basic credit hygiene, when required.

Qualifications & Skills • Graduate/Postgraduate in Finance, Commerce, Business, Accounting, or related field; CA / MBA (Finance) preferred but not mandatory.

- 2-6 years of hands -on experience in credit underwriting for retail or MSME loans in NBFC/bank/fintech.
- Strong skills in financial statement analysis, cash -flow assessment, bank -statement analysis, and credit-bureau interpretation.
- Good understanding of RBI/NBFC regulatory framework and internal credit/risk policies.
- High attention to detail, sound judgement, and ability to take timely, well -documented credit decisions under volume and TAT pressure.
- Compensation will be above industry standards and competitive within the NBFC sector.

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