Senior Financial Analyst

About the Role

Roc 360 is a Data Science driven Prop-Tech lender. We are an industry leading, vertically-integrated digital financial services platform and lender, facilitating a broad range of residential real estate loans for professional investors in the US. Our mission is to make it easy for everyone to renovate, own, or invest in homes.

• We enable investors, brokers and lenders to scale their businesses through innovative products in the real estate space.
• We have grown significantly since inception, and we have managed to do this with a commitment to superior underwriting and risk management practices.

Job Description

As a Credit Risk Analyst/Underwriter, Team Lead, you will lead the Credit Analyst team in India that underwrites deals for the US market. You will work closely with the Credit Committee in New York to ensure seamless functioning of the credit function.

You will be responsible for:

• Ensuring quality of credit analysis, training and mentoring the team to ensure adherence to underwriting quality metrics.
• Overseeing daily underwriting pipeline and queues to ensure timely movement, balanced workloads, and efficient resource allocation.
• Serving as the first point of contact for escalated or complex underwriting scenarios, providing guidance and resolving issues to support smooth loan flow.

Key Responsibilities

You will:

• Lead the Credit Analyst team in India that underwrites deals for the US market.
• Work closely with the Credit Committee in New York to ensure seamless functioning of the credit function.
• Ensure quality of credit analysis, train and mentor the team to ensure adherence to underwriting quality metrics.
• Oversee daily underwriting pipeline and queues to ensure timely movement, balanced workloads, and efficient resource allocation.
• Serve as the first point of contact for escalated or complex underwriting scenarios, providing guidance and resolving issues to support smooth loan flow.
• Support and mentor underwriters by providing day-to-day guidance, fostering development, and monitoring team performance.
• Ensure underwriting decisions meet agency, investor, and company guidelines while supporting risk management and quality control initiatives.
• Ideate and execute process enhancements in the credit function to help improve quality of analysis, and turnaround times.
• Interact with clients and other stakeholders to gather feedback and mentor the team accordingly.
• Interact with Data Science team to help embed the latest in AI and machine learning into our underwriting processes
• Interact with Trading team to ensure that loans are properly structured to be placed on warehouse lines and into securitizations.
• Present hand-selected deals to investment committee for final approval.

Requirements

To be successful in this role, you should have:

• A PG/Master's degree from a premier college with a specialization in finance, economics or a related field.
• Additional financial qualification US CFA Level 2+ or FRM Level 2.
• Experience in credit analysis, especially in the real estate industry. Exposure to the US market will be an advantage.
• Experience in leading a small team of highly skilled analysts.
• Exposure to US or European clients and managing offshore teams will be an advantage.
• Strong written and oral communication skills.
• Strong attention to detail and ability to multitask.

About Us

We offer a dynamic and global workspace with ample opportunities to excel and grow in a variety of financial risk and analytical roles. You will be interacting extensively with teams across the globe, and with clients from different parts of the US – an opportunity that many Indian offices of global companies are unable to provide.

As a young and fast-growing organization, your career growth will be influenced solely by your performance and self-drive. We invest significantly in training people at all levels and actively work with them to plan their career growth. We are looking for young energetic professionals with excellent aptitude and attitude, and very good verbal and written communications skills.