Company Description Z1N Capital is an asset management firm focused on investment opportunities in India, with a particular emphasis on credit and fixed-income strategies. The firm applies a disciplined, research-driven approach to capital allocation, aiming to generate attractive risk-adjusted returns for its investors. Z1N Capital values rigorous analysis, prudent risk management, and long-term partnerships in the Indian financial markets.

Team members collaborate closely to assess credit opportunities and manage portfolios in a dynamic economic and regulatory environment.

Role Description This is a full-time, on-site role based in Gurugram for a Credit Underwriter and Risk Management skilled. The role involves evaluating credit proposals, performing detailed financial and business analysis, and underwriting loans in line with internal policies and regulatory requirements. The professional will assess borrower creditworthiness, structure loan terms, and prepare clear credit memos and recommendations for approval committees.

Day-to-day responsibilities include monitoring existing exposures, tracking portfolio performance, and identifying emerging risks across sectors. The individual will collaborate with investment, operations, and compliance teams, maintain accurate documentation, and communicate underwriting decisions and risk assessments to internal stakeholders.

- Key Responsibilities

• Credit Assessment & Underwriting
- Evaluate loan applications by analysing 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 new 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.

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