SmartCoin - Credit Risk Underwriter

1 week ago


Bengaluru, Karnataka, India Nexthire Full time

Designation/Role : Credit Risk Underwriter

Role : Credit Risk Underwriter

Experience :2-4 years

Location : Bangalore

About SmartCoin:

We are on a mission to create India's largest fully automated financial Inclusion organization by providing an array of financial services such as micro-loans to the vast underserved middle/lower income segment. Being in the Top 10 Google Launchpad backed AI/ML Tech start-ups, you will meet the first-hand challenge of building & scaling the business. You will work with some of the brilliant minds across the industry who passionately feel about solving the macro issue of financial Inclusion.

We are present in over 17,000 pin codes in the country and have served over 13Mn users across India. The user profile ranges from Micro-entrepreneurs, small retailers, Blue-Grey collared workers, Salaried employees across sectors.

You will be one of the key owners of Petabytes of data and drive organizational growth by extracting & applying data driven insights. You will also get an opportunity to work and patent your AI/ML tech.

Our Values:

1. Excellence in everything we do: Take responsibility for the quality timelines of your actions & own the results till closure

2. Empathy – Put yourself in other's shoes first, work collaboratively, put aside the individual in you & work towards the larger benefit of all

3. Innovation – Constantly think ahead, build something new & different. Don't fear to fail, but keep experimenting

4. Perseverance – Never Give Up Attitude. Don't settle for a "No"

5. Agility – Speed Matters Always

What are you looking for? Our Culture

Are you the one who thrives on working on cutting edge technology? Working with innovators in the early stages of ideas, products, or platforms?

Do you want to transform an industry? Crave new challenges and solving hard customer problems using the latest in software technology?

Credit Underwriting:

● Credit Assessment

● Review and analyze Personal loan applications to determine the creditworthiness of applicants.

● Assess financial statements, credit reports, cash flow projections, and other relevant documents to evaluate the applicant's ability to repay the loan.

● Utilize credit scoring models and loan strategies to make informed credit decisions.

Risk Analysis:

Identify and evaluate potential risks associated with each loan application.

● Develop risk mitigation strategies and recommend appropriate terms and conditions for approved loans.

● Monitor and manage credit exposure, ensuring alignment with the organization's risk tolerance.

● Make informed and timely decisions regarding loan approvals, declines, and counter-offers.

● Collaborate with risk, tech teams to present and justify credit decisions, tech bugs.

Continuous Improvement:

● Stay updated with industry trends, regulatory changes, and best practices in credit risk assessment.

● Propose process improvements and contribute to the enhancement of credit assessment procedures.

4.Reporting:

● Prepare regular reports on credit portfolio performance, delinquencies, and risk exposure for management review.

Desired Candidate Profile:

- 1-2 Years of experience

Underwriter, Secured/unsecured loans, Excel, Basic SQL

Experience in developing lending, customer acquisitions and portfolio management strategies



  • Bengaluru, Karnataka, India Nexthire Full time

    Role : Risk Analyst - Portfolio ManagementExperience : 1-3 YrsLocation : Bangalore Role and Responsibilities:Understand the credit policies for various Banks and NBFCs in the Indian lending spaceProvide thought-leadership on risk management, portfolio quality, statistical delinquency models, income estimation, fraud prevention and customer acquisition...


  • Bengaluru, Karnataka, India Nexthire Full time

    Role - Assistant Manager Growth and Revenue Location - Bangalore Experience - 1-4 Yrs Job Responsibilities ● Should have knowledge of basic risk, product, and business metrics of fintech organization● Should be able to multitask and work on different projects at the same time● Should have the quantitative skills and basic aptitude to understand the...


  • Bengaluru, Karnataka, India Nexthire Full time

    About SmartCoin SmartCoin Financials is one of India's Fastest growing, fully-automated next-gen Fintech company aiming to address the credit requirements of innumerous self-employed microentrepreneurs, micro-merchants and middle/lower-income salaried individuals. SmartCoin was conceived in 2016 with a mission to provide financial inclusion to the...


  • Bengaluru, Karnataka, India BPO Full time

    Job Purpose and primary objectives:Preparation of detailed credit and financial analyses, risk asset reviews including evaluation of corporate, regulatory and industry risk, historical operating performance, projected operating performance and capital structureKey Roles & Responsibilitieso Experience; in Corporate & Commercial Lending, FIG/Corporate &...


  • Bengaluru, Karnataka, India JPMorgan Chase Bank, N.A. Full time

    About Commercial Banking Risk India:The Commercial Banking Risk India is part of the Credit Risk function for Commercial Bank at J.P. Morgan and works closely with the in-country Underwriters and Credit Executives and provides them with in-depth credit risk analysis of clients; as well as recommendations on risk grades.Role:Associate for conducting Credit...


  • Bengaluru, Karnataka, India KreditBee Full time

    About KreditBee: KreditBee is India's largest fintech lending platform with a current monthlydisbursement of over ₹1600 Crores. It has 50 Million downloads on Google Play Store and over 85Lakh unique loan customers. It offers various financial services digitally including but not limited toPersonal Loans, Business Loans, DigiGold investment, Insurance,...


  • Bengaluru, Karnataka, India KreditBee Full time

    About KreditBee: KreditBee is India's largest fintech lending platform with a current monthlydisbursement of over ₹1600 Crores. It has 50 Million downloads on Google Play Store and over 85Lakh unique loan customers. It offers various financial services digitally including but not limited toPersonal Loans, Business Loans, DigiGold investment, Insurance,...

  • Credit Risk

    1 week ago


    Bengaluru, Karnataka, India JPMorgan Chase Bank, N.A. Full time

    As a Credit Risk Associate, you help the firm manage the risk in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers, and communities. You will be conducting credit analysis of Corporate clients including portfolio management in the Middle Markets team in...


  • Bengaluru, Karnataka, India Equentia SCF Technologies Private Limited Full time

    Responsibilities: Overseeing the underwriting function for Credable's lending business Assessing credit risk, preparing credit application notes, and presenting to Credit Committee. Contributing to the enhancement of the Credit risk framework, risk process, and policy development as well as product and portfolio management. Supporting the expansion of...

  • Credit Risk Analyst

    1 week ago


    Bengaluru, Karnataka, India Swiss Re Full time

    About the RoleBring the passion to contribute to the success of Swiss Re by identifying risks worth taking while steering away from risks that could destabilize the Group. Furthermore, the role will bring an independent, broad, and long-term perspective to protect Swiss Re's reputation and financial strength.Responsibilities include:Wide range of credit...

  • Credit Risk Analyst

    2 months ago


    Bengaluru, Karnataka, India Swiss Re Full time

    About the RoleBring the passion to contribute to the success of Swiss Re by identifying risks worth taking while steering away from risks that could destabilize the Group. Furthermore, the role will bring an independent, broad, and long-term perspective to protect Swiss Re's reputation and financial strength.Responsibilities include:Wide range of credit...

  • Credit Risk Analyst

    1 week ago


    Bengaluru, Karnataka, India Swiss Re Full time

    About the Role Bring the passion to contribute to the success of Swiss Re by identifying risks worth taking while steering away from risks that could destabilize the Group. Furthermore, the role will bring an independent, broad, and long-term perspective to protect Swiss Re's reputation and financial strength. Responsibilities include: Wide range of...

  • Credit Risk Analyst

    4 weeks ago


    Bengaluru, Karnataka, India Swiss Re Full time

    About the RoleBring the passion to contribute to the success of Swiss Re by identifying risks worth taking while steering away from risks that could destabilize the Group. Furthermore, the role will bring an independent, broad, and long-term perspective to protect Swiss Re's reputation and financial strength.Responsibilities include:Wide range of credit...

  • Credit Risk Analyst

    1 week ago


    Bengaluru, Karnataka, India Antal International Full time

    Job Title: Credit Risk AnalystYears of experience: 4-7 yearsLocation : RemoteNotice Period : 45 days MaxLocation: RemoteAbout my client: My client has been amongst the top pioneers to provide content outsourcing services to Publishers and Information providers. Headquartered in Singapore. They provide data services, subject matter expertise (SME), and...


  • Bengaluru, Karnataka, India PayU Full time

    About PayU PayU, a leading payment and Fintech company in 50+ high-growth markets throughout Asia, Central and Eastern Europe, Latin America, the Middle East and Africa, part of Prosus group, one of the largest technology investors in the world is redefining the way people buy and sell online for our + merchants and millions of consumers. As a leading...

  • Credit Risk Analyst

    1 week ago


    Bengaluru, Karnataka, India Turno Full time

    Responsibilities:Development, Implement and Review of Credit Risk Models & Associated Frameworks in an unsecured rural/semi-urban lending context.Implement & Monitor Credit Risk strategies across the lending life cycle-acquisition, underwriting, cross-sell & collections.Review portfolio on periodic basis across various risk metrics for early warning signals...


  • Bengaluru, Karnataka, India PeopleGene Full time

    About the Role: Conduct indepth financial analysis to assess the creditworthiness of B2B loan applicants Evaluate financial statements, credit reports, and other relevant documents to identify risk factors and determine loan eligibility. Analyze industry trends, market conditions, and economic factors that may impact credit decisions. Collaborate with loan...

  • Credit Underwriting

    1 week ago


    Bengaluru, Karnataka, India KreditBee Full time

    About Company: KreditBee is India's largest fintech lending platform with a current monthly disbursement of over ₹1600 Crores. It has 50 Million+ downloads on Google Play Store and over 85 Lakh unique loan customers. It offers various financial services digitally including but not limited to Personal Loans, Business Loans, DigiGold investment, Insurance,...


  • Bengaluru, Karnataka, India Nexthire Full time

    Role- Technical Product ManagerExp yearsLocation-BangaloreAbout Olyv Olyv is India's fastest growing, fully-automated next-gen Fintech company aiming to address the credit requirements of innumerous self-employed micro entrepreneurs, micro-merchants and middle/lower-income salaried individuals. Our platform also offers digital gold savings, credit health...

  • Wealth Underwriter

    1 week ago


    Bengaluru, Karnataka, India Wells Fargo Full time

    About this role:Wells Fargo is seeking a...In this role, you will: Participate in low to moderately complex Wealth Underwriting initiatives in support of highnetworth portfolio management;identify opportunities for process improvement within scope of responsibilities Review, analyze, and evaluate borrower formation documents and trust documents to determine...