Underwriter

4 days ago

Mumbai, India TATA Capital Full time

11183

**Major Deliverables:
- Monitoring all CFAB product digital journeys from Credit side and ensuring testing/ tracing out further scope
- Active engagement with stakeholders
- Product/Sales/Credit/Digital/Data Science/IT/Operations/Collections/relevant fintech/ IT vendors
- Enabling Best in Class End to End Digital Customer experience leading to business growth
- Tracing out opportunities/ not in line with policy rules from the customer segments coming in
- Discussing the data backed analysis with Credit Team/ Risk team and proposing relevant changes in the rules/ journey
- Suggest process/ journey changes and draft process notes/ BRDs
- Facilitating development/ modification of digital journeys by engaging with relevant stakeholders & BRE fintech/IT Vendors
- Credit Lead for BRE migration, Testing BRE rules for new policies along with other stake holders
- One product
- one set of rules: Ensure standardisation of digital underwriting rules for Assisted digital and Online Digital journeys
- MIS Automation by liaison with Data Science/Digital and IT Teams
- Enabling enhanced Cross sell-Upsell for lending business
- Work along with DS and Risk team for development and review of credit decisioning scorecards
- SPOC for Digital Projects undertaken by CFAB Credit Team
- Contactless (credit free including alternate data) loan sanction
- 1/3rd contribution to each of the products, another 1/3rd to be with mínimal Credit touch
- Evaluation and implementation of cost effective processing tools e.g. IDV across products
- Forward thinking and at every possible step implementation of Human less processes
- Drive better efficiency with Data Science team through Machine Learning Models
- Review and Presentations to Senior management/ relevant forums
- Focus on decisioning of High Value cases for Business Loans and Loan Against Property across the country.
- Underwrite for all customer segments for Retail high value loan products and decide/ present to senior level for decisioning.
- Authorize deviations raised and documented by underwriters in compliance with credit policy.
- Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.
- Manage end to end credit approval for all such high value cases from Pan-India which comes for decision from all Regions.

**Education Qualification: Chartered Accountant**
Experience: 10+ years of work experience in LAP and Business Loans Underwriting
- / MBA/PGDBA/PGPM or Equivalent

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