Job Purpose:

Responsiblefor evaluating and underwriting loan applications received via digitalchannels

Focus on quick, accurate decisioning with policy adherence, KYCverification, fraud checks, and coordination with stakeholders to achieveseamless, paperless disbursements

Key Responsibilities:

Evaluate digital loan applications within definedturnaround time (TAT) using scorecards and policy rules

Perform digital KYC, bureau checks, income surrogates,and fraud screening; escalate suspicious cases

Prepare concise credit notes/CAMs for non-STP orexception cases; recommend decisions as per DOA

Ensure accurate documentation and track post disbursement document (PDD) closure where applicable

Coordinate with sales/operations for clarifications,rework, and smooth disbursement

Monitor early vintage performance/FPD for approvedcases and provide feedback to improve filters

Adhere to underwriting policy, regulatoryrequirements, and internal audit standards, explicit QA observations PDs ofspecific cases

Skills Required:

Strong analyticaland decision-making skills





Knowledge ofretail lending credit policies and scorecards

Proficiency indigital KYC, fraud control, and MIS tools

Attention todetail and compliance orientation

Educational Qualifications and Experience:

Graduate /Post-Graduate in Finance, Commerce, or related field

13 years incredit appraisal/underwriting;

experience in digital/fintech lending preferred

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

Role: Credit Manager,

Industry Type: NBFC,

Department: BFSI, Investments & Trading,

Employment Type: Full Time, Permanent

Role Category: Lending

Education

UG: Any Graduate

PG: Any Postgraduate

Key Skills compliancecredit appraisalcredit notesdigital loandisbursementfinancefintechfraud controlinternal auditkyclendingoperationspdspolicy adherenceqaretailretail lendingsalesstpunderwriting

📌 Branch Credit Manager (Chennai)
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