We are looking for a Credit Underwriting skilled to assess and decision digital personal loan applications. Working within our automated LOS, you will review required checkpoints, verify applicant eligibility, maintain daily file throughput, and ensure strict compliance with credit policy and audit standards.
Key Responsibilities
- Underwrite and decision personal loan applications received in the credit queue within defined daily turnaround times (TAT).
- Evaluate applicant profiles, bureau reports, bank statements, and income proofs against credit policy parameters.
- Efficiently process queue tasks to maintain optimal conversion and approval rates.
- Maintain high accuracy on all decisioned files, ensuring zero documentation errors, minimal escalations, and clean audit scores.
- Coordinate with sales and operations teams to resolve document queries and clear pipeline delays promptly.
- Share regular, practical feedback to improve LOS workflows, operational processes, and credit policy rules.
Candidate Profile & Requirements
- 2–5 years of personal loan underwriting experience at an NBFC, fintech, or bank.
- Hands-on experience working directly in an LOS evaluating retail bureau reports, banking statements, and KYC documents.
- Proven ability to handle daily case volumes with speed, precision, and policy discipline.
- Strong communication skills for cross-team query resolution.
- Bachelor’s/Master's degree in Commerce, Finance, or a related discipline.