Key Responsibilities

1. Loan Evaluation & Assessment

• Review and underwrite personal loan applications as per defined credit norms.
- Analyze bank statements, income proofs, financial documents, and bureau reports (CIBIL/CRIF/Experian).
- Identify discrepancies, fraud indicators, and red flags in customer information and documentation.
- Ensure underwriting decisions are accurate, timely, and within assigned approval limits.

1. Policy Compliance & Risk Control

• Ensure all underwriting decisions follow company policies, credit frameworks, and regulatory guidelines.
- Recommend cases for escalation or exception to senior credit managers when needed.
- Maintain strict adherence to KYC/AML norms and RBI guidelines.

1. Portfolio Quality Monitoring

• Coordinate with risk and collection teams to improve loan quality and minimize losses.
1. Coordination & Communication

• Collaborate with sales, operations,



and verification teams for smooth file processing and verification checks.
- Communicate clearly on approval conditions, additional requirements, or rejections.
- Assist in training sales teams on documentation and credit norms (when required).

Qualifications & Requirements Education

- Graduate/Postgraduate in Finance, Commerce, Economics, or related fields. Experience
- 13 years of experience in credit underwriting for unsecured personal loans, preferably short-term loans.

Skills & Competencies

- Robust financial and analytical evaluation skills.
- Proficiency in reading and interpreting credit bureau reports.
- Understanding of regulatory norms including KYC, AML, and RBI guidelines.
- Familiarity with Loan Origination Systems (LOS) and underwriting tools.
- Good communication and decision-making abilities.

📌 Walk-in || Credit Analyst / Underwriter (Mumbai)
🏢 Fintech Cloud
📍 Mumbai