Job highlights

- Bachelor's in Commerce, Finance, Economics, or related quantitative field; strong numerical aptitude and analytical skills; familiarity with credit analysis and MS Excel
- Evaluate personal loan applications, analyze credit reports and financial documents, assess risk and fraud indicators, coordinate verifications, and ensure compliance with lending policies
- Competitive fixed salary with training and career advancement opportunities

Job Title: Underwriter (Fresher) Job Type: Full-time

Department: Credit & Risk

Job Overview

We are seeking an analytical, detail-oriented, and ambitious Underwriter (Fresher) to join our retail lending credit team. In this entry-level role, you will be trained to evaluate personal loan applications, assess borrower risk profiles, verify documentation, and make sound credit decisions in alignment with company lending policies.

This position is ideal for numerate graduates looking to build a career in credit risk assessment, banking, and financial underwriting. Comprehensive training on risk matrices, credit bureau reports, and credit-scoring tools will be provided.

Key Responsibilities

- Application Review: Examine personal loan applications thoroughly for completeness, accuracy, and consistency.
- Credit Evaluation: Analyze credit bureau reports (CIBIL/Experian), bank statements, salary slips, and income tax returns (ITR) to gauge applicant creditworthiness and repayment capacity.
- Risk Assessment: Identify potential fraud, red flags, discrepancies, or high-risk indicators in applicant profiles.
- Verification Support:



Coordinate with internal verification teams or external agencies to validate employment, residential stability, and financial authenticity.
- Decision Making: Recommend or approve loan amounts, tenures, and interest rates within prescribed discretionary lending limits, escalating complex files to senior underwriters.
- Compliance: Ensure all underwriting files adhere strictly to internal lending policies, RBI/regulatory guidelines, and Know Your Customer (KYC) norms.

Required Skills & Qualifications

- Education: Bachelors degree in Commerce, Finance, Economics, Accounting, Mathematics, Business Administration, or a related quantitative field.
- Experience: Open to freshers; prior internship or coursework in credit analysis, banking operations, or financial auditing is a strong advantage.
- Analytical Skills: Strong numerical aptitude with a keen eye for detail and the ability to spot financial inconsistencies.
- Technical Literacy: Basic proficiency in MS Office (particularly MS Excel) and comfort navigating digital database systems.
- Communication: Clear and skilled written and verbal communication skills to collaborate effectively with sales and credit operations teams.
- Attributes: High integrity, sound judgment, accountability, and the ability to work efficiently under daily turnaround-time (TAT) targets.

Benefits & Perks

- Competitive fixed base salary .
- Intensive induction and continuous credit training program.
- Clear career advancement opportunities into Senior Underwriter, Credit Risk Manager, or Portfolio Analyst roles.
- Standard corporate benefits

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