Key Responsibilities
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.
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.
Portfolio Quality Monitoring

• Coordinate with risk and collection teams to improve loan quality and minimize losses.
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.
Positive communication and decision-making abilities.

📌 Walk In Credit Analyst / Underwriter Mumbai
🏢 Fintech Cloud
📍 Mumbai