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. 2. 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. 3. Portfolio Quality Monitoring
• Coordinate with risk and collection teams to improve loan quality and minimize losses. 4. 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
• Solid 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.