About the Role

Assess applications for small-ticket, short-tenure unsecured loans through customer verification, underwriting, document validation and fraud checks. Support sound credit decisions that balance portfolio quality, turnaround time and customer experience, with escalation of high-risk cases to the Credit Team Leader.

Key Responsibilities

· Review and underwrite loan applications in line with internal credit policies and risk parameters.

· Call customers to understand their profiles, clarify discrepancies and obtain pending information or documents.

· Verify KYC documents, bank statements, income and salary proofs, employment details and other customer information.

· Analyse credit bureau reports, repayment capacity and creditworthiness.

· Identify suspicious profiles, forged documents, fraud indicators and unusual customer behaviour.

· Re-evaluate applications when additional information is received and coordinate with internal teams for profile completion.

· Follow regulatory requirements and operational processes while maintaining decision quality, productivity and turnaround time targets.

· Escalate suspicious and high-risk cases to the Credit Team Leader for further review.

· Document observations and credit decisions, monitor exceptions and ensure accurate, timely application processing.





· Support portfolio quality through disciplined underwriting to minimise delinquencies and fraud losses; contribute to process and customer experience improvements.

Candidate Profile

· 1-4 years of total work experience, with prior experience in digital lending, personal loans, salary advances, unsecured lending, NBFCs, fintech or credit operations.

· Hands-on experience in customer verification, document scrutiny, credit bureau analysis and loan underwriting.

· Strong understanding of KYC, bank statement analysis, income assessment and customer profiling.

· Ability to identify fraud patterns, document discrepancies and high-risk cases.

· Good customer communication skills and the ability to gather relevant information.

· Familiarity with bureau reports, loan origination and management systems, and underwriting workflows.

· Strong analytical skills, attention to detail and working knowledge of spreadsheet tools and basic MIS reporting.

· Ability to work in a fast-paced environment with ownership, accountability and sound judgement.

Pay: ₹40,000.00 - ₹45,000.00 per month

Benefits:

- Commuter assistance
- Adaptable schedule
- Internet reimbursement
- Paid time off

Work Location: In person

📌 Credit Manager (Gurugram)
🏢 Suam Global Ventures
📍 Gurugram