Senior Commercial Underwriter_ US market experience

1 week ago


Hyderabad, Telangana, India Palni Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Job Title: Senior Credit Underwriter

Location: Hyderabad, Mindspace

Experience: 3+ Years

Position Type: Full-time

Shift Timings: 6:00 PM to 3.00 AM (Based on day light saving)

Work Model: WFO

No transport facility

At Palni, we are seeking an experienced Credit Underwriter to support our clients credit team. This role is pivotal in managing underwriting, pricing, loan performance, and collections, with a direct impact on customer-level P&L. As part of our Credit Team, you will make data-driven business decisions to optimize lending margins while leveraging analytics to refine policies and pricing strategies.

Key Responsibilities:

  • Analyze financial data to assess the creditworthiness of small to mid-sized businesses.
  • Apply underwriting expertise to make informed credit decisions within existing policy frameworks.
  • Engage directly with customers to understand their business models and borrowing needs.
  • Independently manage an underwriting pipeline, ensuring efficient decision-making.
  • Drive improvements in underwriting policies and procedures as needed.
  • Collaborate with credit/risk teams and leadership to enhance automated credit decisioning.
  • Maintain strong relationships with internal stakeholders and management.

Qualifications & Skills:

  • Bachelors degree required (preferably in a business-related field).
  • 3+ years of professional experience in small business lending underwriting.
  • Proficiency in analysing financial documents, including tax returns, bank statements, financial statements, and credit reports.
  • Strong understanding of business underwriting principles, small business lending risks, and lending regulations.
  • Excellent written and verbal communication skills with the ability to present financial data clearly.
  • Strong analytical and problem-solving skills with a detail-oriented mindset.
  • Comfortable working in a fast-paced environment with minimal supervision.
  • Ability to work independently and deliver high-quality results.


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