
Credit Underwriter
2 weeks ago
Location: Juinagar (Navi Mumbai)
Experience Required: Minimum 5 years in NBFC Credit Underwriting
Products: Commercial Vehicles
Gender Preference: Male candidates only
Languages: Kannada/Marwari/Telugu/Gujarati required.
Key Responsibilities:
- Responsible for complete assessment of customers, including cross-verification and due diligence.
- Conduct ground-level understanding of various business profiles, especially of self-employed non-professionals, through available documents and evidences.
- Ensure underwriting decisions are taken within defined turnaround times (TAT) to meet business requirements.
- Provide clear and sound recommendations on proposals in line with company credit policy and risk parameters.
- Be proactive and decisive, with the ability to take ownership of decisions in the best interest of the organization.
- Conduct training sessions for the Sales and Credit teams on product features and credit policies.
- Engage in periodic portfolio reviews, including vendor assessments, early delinquency analysis, and delinquent customer evaluation.
- Monitor and analyze portfolio trends to mitigate, transfer, or reduce credit, operational, or fraud-related risks.
- Collaborate closely with internal stakeholders to ensure high-quality underwriting and portfolio health.
Other Details:
- This is a centralized underwriting role, fully based out of the Juinagar office no branch visits required.
- The ideal candidate must possess a strong understanding of credit, collateral, operational, and fraud risks within the NBFC space.
- Candidates with strong communication and documentation skills in Kannada/Marwari/Telugu/Gujarati required.
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