Strategic Credit Underwriting Professional
3 weeks ago
We are seeking an experienced Credit Underwriter to join our team at Profectus Capital Pvt. Ltd.
- As a Credit Underwriter, you will be responsible for the underwriting of SME loans, ensuring timely and accurate credit decisions that meet the company's risk appetite.
- You will make optimal use of our Loan Origination System and Loan Management system to streamline the lending process and maintain high levels of customer satisfaction.
- Your goal will be to maintain efficient Credit Turnaround Times (TAT) while ensuring that all credit decisions are in line with our credit policy.
- You will work closely with the credit team to monitor delinquency and Non-Performing Assets (NPAs) to budgeted levels, manage credit costs as per approved budgets, and provide feedback to credit policy based on your experience of underwriting.
- Data analysis and reporting will be an essential part of this role, requiring you to interpret data to identify trends and areas for improvement.
- You will also be responsible for Portfolio Quality, Quality of Appraisal, Cost Management, and Implementation of Processes.
Key Performance Indicators (KPIs):
- Turnaround Time (TAT)
- Portfolio Quality
- Quality of Appraisal
- Cost Management
- Implementation of Processes
Requirements:
- Bachelor's degree in a relevant field or equivalent experience
- A minimum of 5-6 years of experience in credit underwriting, preferably in a similar industry
- Possess excellent analytical, communication, and presentation skills
- Strong understanding of asset types and their viability
- Ability to read and understand legal and technical reports and valuations related to properties financed by the company
- Team handling and leadership skills
Desired Qualification:
- Chartered Accountant (CA)
About Us:
We are a leading non-banking financial company (NBFC) focused on providing innovative financing solutions to small and medium-sized enterprises (SMEs). Our team is passionate about helping businesses grow and succeed, and we are looking for talented individuals who share our vision.
What We Offer:
- A competitive salary range of ₹12 lakhs - ₹18 lakhs per annum, depending on experience
- Ongoing training and development opportunities to enhance your skills and knowledge
- A collaborative and dynamic work environment with a focus on teamwork and innovation
- The opportunity to work on challenging projects and contribute to the growth of the company
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