Job highlights

- Knowledge of retail lending credit policies andscorecards . Proficiency in digital KYC,fraud control,and MIStools .
- . Graduate / Post-Graduate in Finance,Commerce,orrelated field . 13 years in credit appraisal / underwriting
- experiencein digital / fintech lending preferred

Job Purpose: *Responsible for evaluating and underwriting loanapplications received via digital channels

Focus on quick, accuratedecisioning with policy adherence, KYC verification, fraud checks, andcoordination with stakeholders to achieve seamless, paperless disbursements*

Key Responsibilities:

Evaluate digital loan applications within definedturnaround time (TAT) using scorecards and policy rules

Perform digital KYC, bureau checks, income surrogates,and fraud screening; escalate suspicious cases

Prepare concise credit notes/CAMs for non-STP orexception cases; recommend decisions as per DOA

Ensure accurate documentation and track post disbursement document (PDD)closure where applicable

Coordinate with sales/operations for clarifications,rework, and smooth disbursement





Monitor early vintage performance/FPD for approvedcases and provide feedback to improve filters

Adhere to underwriting policy, regulatoryrequirements, and internal audit standards, clear QA observations PDs ofspecific cases

Skills Required:

Solid analytical and decision-making skills

Knowledge of retail lending credit policies andscorecards

Proficiency in digital KYC, fraud control, and MIStools

Attention to detail and compliance orientation

Educational Qualifications and Experience:

Graduate / Post-Graduate in Finance, Commerce, orrelated field

13 years in credit appraisal/underwriting; experiencein digital/fintech lending preferred

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

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