
Digital Initiatives Underwriting
2 weeks ago
Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group's 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle.
The organization has been consistently recognized as a Great Place to Work receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India's Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023.
Job Overview:
We are looking for a proactive and analytical MBA graduate to join our Affordable Housing
Loans (AHL) division as part of our Digital Initiatives Underwriting team. This role is central
to transforming traditional underwriting processes into tech-enabled, data-driven models
that support financial inclusion and scalable growth.
Key Responsibilities:
• Digital Underwriting & Credit Assessment:
• Evaluate loan applications using digital tools and automated underwriting
models.
• Analyze borrower data, income documentation, and property details to
assess creditworthiness.
• Ensure adherence to internal credit policies and regulatory norms.
• Technology & Process Innovation:
• Collaborate with product and tech teams to enhance digital underwriting
platforms.
• Identify opportunities for automation and process optimization in loan
evaluation.
• Data-Driven Decision Making:
• Use analytics to refine risk models and improve underwriting accuracy.
• Monitor performance of digital underwriting tools and suggest
improvements.
• Cross-Functional Collaboration:
• Work closely with sales, credit, legal, and operations teams to ensure
seamless loan processing.
• Provide insights and feedback to improve customer experience and
operational efficiency.
• Customer-Centric Approach:
• Maintain empathy and fairness in underwriting decisions, especially for low-
income and first-time borrowers.
• Support initiatives that promote financial inclusion and responsible lending.
Qualifications:
• MBA in Finance, Business Analytics, or related field.
• Strong analytical and decision-making skills.
• Familiarity with digital lending platforms, credit scoring models, and housing
finance.
• Proficiency in Excel, data visualization tools, and basic SQL (preferred).
• Excellent communication and interpersonal skills.
• Commitment to inclusive finance and affordable housing.
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