Team Lead/ Senior Credit Underwriter

3 weeks ago

Mumbai, India Liquiloans Full time

Job Summary:

We are looking for a detail-oriented and analytical Team Lead / Senior Credit Underwriter with at least 3+ years of experience to assess creditworthiness, evaluate risk profiles, and make informed lending decisions. The ideal candidate should have a strong understanding of underwriting principles, financial statements, and regulatory compliance.

Key Responsibilities:

  • Analyze loan applications and financial documents (income, balance sheets, bank statements, etc.) to assess borrower risk.
  • Conduct credit evaluation using internal underwriting policies, external credit reports, and scoring models.
  • Ensure due diligence, KYC, and compliance with regulatory guidelines.
  • Recommend loan approvals, rejections, or modifications with justification.
  • Coordinate with internal teams (sales, operations, collections) to gather information and resolve discrepancies.
  • Maintain detailed records of underwriting decisions and support documentation.
  • Monitor existing portfolio to identify early warning signals or default risks.
  • Collaborate in improving underwriting processes and risk policies.

Key Skills & Qualifications:

  • Bachelor's degree in Finance, Commerce, Accounting, or a related field.
  • Minimum 3 years of experience in credit underwriting, preferably in NBFCs, Banks, or Fintech.
  • Strong knowledge of credit risk principles and lending practices.
  • Proficiency in financial analysis, ratio analysis, and credit scoring models.
  • Familiarity with loan origination systems (LOS) and credit bureau reports.
  • Excellent communication and decision-making skills.
  • Attention to detail and high level of accuracy.

Preferred:

  • Experience in underwriting unsecured/business loans, MSME lending, or retail credit.
  • Knowledge of regulatory compliance and RBI guidelines.
  • Hands-on experience with credit bureau APIs and analytics to

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