Job highlights

- Knowledge ofretail lending credit policies and scorecards. Proficiency indigital KYC,fraud control,and MIS tools.
- . Graduate /Post-Graduate in Finance,Commerce,or related field. 13 years incredit appraisal / underwriting
- experience in digital / fintech lending preferred

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, clear QA observations PDs ofspecific cases

Skills Required:

Robust 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.

📌 Branch Credit Manager (Chennai)
🏢 IIFL home finance
📍 Chennai