Credit Officer

3 days ago

Andheri, Maharashtra, India Fintech Cloud Private Limited Full time ₹ 6,00,000 - ₹ 12,00,000 per year

Position: Credit Associate

Department: Credit

Job Summary:

The Credit Associate is responsible for assessing and underwriting short-term personal loan applications. The role involves analyzing customer credit reports, bank statements, and income data to make informed credit decisions as per company policy and risk parameters.

Key Responsibilities:

* Evaluate customer applications for short-term/personal loans as per internal credit policy and regulatory norms.

* Review CIBIL reports, Account Aggregator data, and banking PDF statements to assess repayment capacity.

* Identify hidden obligations and cross-verification of salary credits, EMI outflows, and bounced transactions.

* Perform credit underwriting based on parameters such as income stability, employer type, credit mix, loan exposure, and repayment behavior.

* Validate customer information for fraud prevention and ensure authenticity of submitted documents.

* Coordinate with sales and operations teams for clarification and timely processing of cases.

* Record approval/rejection remarks with justifications on CRM.

* Ensure TAT (Turnaround Time) adherence and maintain quality of underwriting decisions.

* Check if the customer is already serving a loan with partner NBFCs and review repayment performance.

* Identify thin-file and thick-file customers and evaluate accordingly.

* Participate in ongoing process improvement and feedback discussions with risk and analytics teams.

Key Skills & Competencies:

* Strong analytical and decision-making ability.

* Good understanding of credit bureau reports and banking analysis.

* Proficiency in Excel, CRM tools, and PDF statement analyzers.

* Detail-oriented with a strong focus on accuracy and compliance.

* Excellent communication and coordination skills.

* Ability to work in a fast-paced, target-driven environment.

Qualification & Experience:

* Bachelor's degree (Finance, Commerce, or related field preferred).

* 1–3 years of experience in credit underwriting or loan assessment (preferably short-term/personal loans).

* Knowledge of Underwriting, CIBIL and digital lending ecosystem preferred.

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