Underwriter Associate

1 month ago

Bengaluru Karnataka, India groww Full time

**About Groww**
- We are a passionate group of people focused on making financial services accessible to every Indian through a multi-product platform. Each day, we help millions of customers take charge of their financial journey. Customer obsession is in our DNA. Every product, every design, every algorithm down to the tiniest detail is executed keeping the customers’ needs and convenience in mind. Our people are our greatest strength. Everyone at Groww is driven by ownership, customer-centricity, integrity and the passion to constantly challenge the status quo.
- Are you as passionate about defying conventions and creating something extraordinary as we are? Let’s chat.

**Our Vision**
- Every individual deserves the knowledge, tools, and confidence to make informed financial decisions. At Groww, we are making sure every Indian feels empowered to do so through a cutting-edge multi-product platform offering a variety of financial services. Our long-term vision is to become the trusted financial partner for millions of Indians.

**Our Values**
- Our culture enables us to be what we are — India’s fastest-growing financial services company. It fosters an environment where collaboration, transparency, and open communication take center-stage and hierarchies fade away. There is space for every individual to be themselves and feel motivated to bring their best to the table, as well as craft a promising career for themselves.
- The values that form our foundation are:

- Radical customer centricity
- Ownership-driven culture
- Keeping everything simple
- Long-term thinking
- Complete transparency

**Key Responsibilities**
- Underwrite unsecured loans on a sample basis in accordance with established policies and procedures
- Will be responsible for approving or rejecting loans based on creditworthiness, repayment capacity, and analysis of documents such as bank statements, KYC, etc.
- Continuously assess the accuracy of system rules and outputs as a result of monitoring implemented policies on systems.
- Responsible for identifying frauds/fraud patterns (if any) within the underwritten pool
- Examine whether any red flags have arisen during the normal course of implementing the policy
- Analyzing the documents provided by the customers to ensure that they are in compliance with the rules & regulations
- Maintain the highest underwriting standards across all segments of the business
- Identifying the concerns with respect to the portfolio (if any), the channels, and ensuring remedial measures are taken with all stakeholders

**Job Requirement**

**Requirements**:

- Underwriting experience on unsecured products is a must (personal loan)
- Understanding of loan origination systems and flexibility to adapt to changes as required
- Understanding of KYC guidelines, capable of identifying and flagging any deviations
- Identify any irregular patterns in Customer Profile, Leverage, and any other policy parameter through hands-on experience
- Ability to do quantitative analysis, maintain and publish daily management information
- The ability to communicate effectively with all stakeholders and manage stakeholder expectations

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