Credit Underwriter

About Us
At
Karbon (AI Accountant)
, we're building the future of financial infrastructure. As an AI-driven fintech, we simplify money movement, credit, and financial operations for businesses. Our products combine cutting-edge AI with deep financial expertise to help businesses scale faster, smarter, and more securely.

Our Vision & Mission
Vision:
To be the most trusted AI-driven partner for businesses in managing finance, credit, and growth.

Mission:
To simplify and democratize access to financial tools by leveraging AI, ensuring speed, accuracy, and trust in every transaction.

Job Summary
We are looking for a
Credit Underwriter
with
1–2 years of experience in business loan/SME loan underwriting
. This role is central to maintaining the right balance between growth and risk by conducting in-depth credit evaluations, preparing credit notes, and tracking portfolio performance. You will also play a critical role in building strong credit practices and ensuring regulatory compliance.

Where You Can Create Impact
Credit Evaluation & Underwriting

• Assess applicant creditworthiness using financial statements, GST returns, bureau reports, and banking data.
• Prepare detailed Credit Appraisal Memos (CAMs) with comprehensive risk assessment and recommendations.
• Ensure adherence to internal credit policies and regulatory frameworks.

MIS & Portfolio Management

• Maintain MIS reports on applications, sanctions, disbursements, and rejections.
• Track portfolio quality, monitor delinquency trends, and highlight early warning signals.
• Support monitoring of NPAs, OTS (one-time settlements), and collection-linked performance.
• Provide insights and reports to management for portfolio decision-making.

Collaboration & Stakeholder Management

• Work closely with sourcing, operations, and collections teams for seamless decision-making.
• Share feedback with sourcing partners to improve application quality.
• Coordinate with auditors and compliance for timely data submissions.

Requirements For The Role

• Graduate/Post-Graduate in Commerce, Finance, or related field.
• 1–2 years of experience in business loan or SME loan underwriting.
• Strong expertise in financial analysis, ratio analysis, and risk assessment.
• Sound knowledge of credit bureau reports and industry risk dynamics.
• Proficiency in MS Excel with strong MIS/reporting skills.
• Detail-oriented, analytical mindset with the ability to work under deadlines.

Who You Are

• You are analytical and detail-oriented, always digging deep into data to identify risks and opportunities.
• You have a risk-first mindset, ensuring growth is balanced with compliance and quality.
• You thrive in fast-paced environments and can work under tight timelines without compromising accuracy.
• You value collaboration and believe in working closely with cross-functional teams to drive outcomes.
• You are curious and proactive, always seeking to improve processes and share insights with the team.

Our Way of Life — The Karbon Values
C – Collaborate to Win

We win together, not alone. We listen, challenge with care, and move as one team. Speed and success come from trust and cross-functional teamwork.

E – Excel Relentlessly

"Good enough" isn't good enough at Karbon. We push for world-class in everything we do. We learn fast, aim high, and turn feedback into fuel.

O – Own It End-to-End

We think like founders. We take full responsibility for outcomes—not just tasks. When things go wrong, we fix. No blame, no excuses—just impact.

Perks & Benefits
Upskilling Policy: Get access to courses, tools, and resources to keep learning and growing.

Team Outings: Offsites and outings to celebrate milestones and build deeper bonds.

Engagement Initiatives: Hackathons, open demos, and game nights—designed to spark creativity and fun.

Flexible Work-from-Home: While we follow a 5-day in-office setup, we know the value of occasional flexibility. Our WFH policy lets you go remote for up to 12 days every 6 months—because we get that a change of scene helps you do your best work.

Menstrual WFH: Women employees can avail up to 3 WFH days per month—no questions asked.

Mobility Benefits: Relocation support and travel allowance for smooth onboarding.

Parental Support: Maternity, paternity, and adoption leave—because your family matters.

Skills: underwriting,risk assessment,mis reporting,portfolio management,loan underwriting