
Credit Risk Underwriter
2 days ago
About the team
At Aspire, the Finance team plays a strategic and pivotal role in Aspire's continued expansion. Our comprehensive Finance function encompasses six key verticals: Financial Controlling, Treasury, Finance Analytics, Strategic Finance & Planning, Credit Risk, and Finance Strategy & Operations. From conducting in-depth strategic data analysis to spearheading Finance transformation initiatives with our Aspire software, you'll directly contribute to critical business decisions in a dynamic market. This is an exciting chance to be part of a team that values strategic thinking, innovation, and robust controls in a hyper-growth environment.
About the role
- Credit Underwriting for Aspire's MSME loan portfolio
- Responsible for evaluating and underwriting small business loan applications
- Analyze financials, banking behavior, and business viability of micro and small enterprises while ensuring compliance with internal credit policies and regulatory norms
- Analyze and create credit memo for new and renewal applications for credit products
Minimum Qualifications:
- Bachelor Degree in Finance, Commerce, or Economics
- 0–2 years of experience in MSME loan underwriting / credit analysis
- Freshers with strong internships in credit/risk welcome
- Proficiency in bank statement analysis, ITR review, and GST cash flow trends
- Strong understanding of financial statements and financial ratios
Preferred Qualifications:
- BA/PGDM (Finance/Risk)
- Strong analytical and documentation skills
- Basic understanding of cash flow-based lending or surrogate income models
- Good communication skills to coordinate with sales and operations teams
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