Centralized Credit Underwriting Officer

3 days ago


Noida, Uttar Pradesh, India Axis Bank Full time

As a Centralized Credit Underwriting Officer - Retail Credit Specialist, you will oversee the entire credit appraisal process for Personal Loans, Auto Loans, and Credit Cards. This role encompasses the end-to-end credit operation process, including vendor management and supervision of Underwriting Officers located at multiple sites. Your responsibilities will include managing underwriting processes for Retail Assets/Credit Cards, appraising loans within policy guidelines, and assessing credit risk parameters. You will also be responsible for ensuring adherence to laid-down policy and procedures, preparing Credit Approval Memos, and managing Turnaround Time (TAT) and Approval Rates.

Key Responsibilities:

  • Manage underwriting process for Retail Assets/Credit Cards within Retail Lending & Payments vertical
  • Appraise or underwrite loan within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority
  • Assess the income, ability, intention, & credit behavior and verify it documents & reference checks as well as from various kinds of credit bureau checks.
  • Evaluate all credit risk parameters & measures to mitigate the same
  • Prepare Credit Approval Memo
  • Managing the overall TAT, Approval Rate
  • Ensure complete adherence to laid down policy and procedure / process
  • Fi initiation and completion on respective systems

Qualifications:

Post Graduate / Graduate



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