Team Lead/ Senior Credit Underwriter
2 days ago
Job Summary:
We are looking for a detail-oriented and analytical Team Lead / Senior Credit Underwriter with at least 3+ years of experience to assess creditworthiness, evaluate risk profiles, and make informed lending decisions. The ideal candidate should have a strong understanding of underwriting principles, financial statements, and regulatory compliance.
Key Responsibilities:
- Analyze loan applications and financial documents (income, balance sheets, bank statements, etc.) to assess borrower risk.
- Conduct credit evaluation using internal underwriting policies, external credit reports, and scoring models.
- Ensure due diligence, KYC, and compliance with regulatory guidelines.
- Recommend loan approvals, rejections, or modifications with justification.
- Coordinate with internal teams (sales, operations, collections) to gather information and resolve discrepancies.
- Maintain detailed records of underwriting decisions and support documentation.
- Monitor existing portfolio to identify early warning signals or default risks.
- Collaborate in improving underwriting processes and risk policies.
Key Skills & Qualifications:
- Bachelor's degree in Finance, Commerce, Accounting, or a related field.
- Minimum 3 years of experience in credit underwriting, preferably in NBFCs, Banks, or Fintech.
- Strong knowledge of credit risk principles and lending practices.
- Proficiency in financial analysis, ratio analysis, and credit scoring models.
- Familiarity with loan origination systems (LOS) and credit bureau reports.
- Excellent communication and decision-making skills.
- Attention to detail and high level of accuracy.
Preferred:
- Experience in underwriting unsecured/business loans, MSME lending, or retail credit.
- Knowledge of regulatory compliance and RBI guidelines.
- Hands-on experience with credit bureau APIs and analytics to
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