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Financial Risk Underwriter
Financial Risk UnderwriterAnupam Finserv • Republic Of India, IN
Financial Risk Underwriter

Financial Risk Underwriter

Anupam Finserv • Republic Of India, IN
22 hours ago
Job description

About the Role

This role sits within the Risk team and gives you full-stack exposure across credit underwriting, portfolio analytics, and sectoral risk evaluation. You will get hands-on experience in assessing enterprise lending risks, building frameworks, and working closely with business, data, and governance teams.

Key Responsibilities Credit Risk & Underwriting

  • Work on credit appraisals for mid-market corporates and financial institutions — analysing financial statements, cash flows, business models, and management quality.
  • Draft credit notes, rating rationales, and detailed risk assessments.
  • Participate in client meetings, due diligence, and industry / peer benchmarking.
  • Partner with business teams to evaluate deal structures, covenants, and risk mitigants.

Portfolio & Sector Risk

  • Track portfolio health through exposure analytics, rating changes, and early warning indicators (EWI).
  • Assist in building sectoral risk frameworks by analysing macro and micro trends.
  • Contribute to stress testing, scenario modelling, and limit utilisation monitoring.
  • Support quarterly portfolio reviews, dashboards, and presentations.
  • Modelling & Analytics

  • Collaborate with Data Science and Tech teams to build credit models, scorecards, and visual dashboards.
  • Support validation, back-testing, and continuous improvement of risk models.
  • Help automate reporting and monitoring of key risk metrics.
  • Policy & Governance

  • Assist in drafting and refining risk policies, SOPs, and internal guidelines.
  • Monitor compliance against risk appetite thresholds and escalate deviations.
  • Coordinate with audit and compliance teams for reviews and documentation.
  • Desired Skills & Qualifications

  • MBA (Finance) / CA / CFA / FRM preferred, with 2–6 years of experience in credit, risk, or financial analysis.
  • Strong command over financial statement analysis, ratios, and cash flow modelling.
  • Prior exposure to underwriting in an NBFC or bank is a plus
  • Detail-oriented, analytical, and business-first mindset.
  • Excellent communication skills — written and verbal.
  • What You’ll Gain

  • Opportunity to work on live credit deals and real-time portfolio analytics.
  • Exposure to mid-market lending, structured finance, and institutional credit risk frameworks.
  • Cross-functional learning across credit, sector research, and data-driven risk management.
  • A collaborative, high-performance environment designed for continuous learning and growth.
  • Expected Compensation - 15 LPA based on experience

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    Underwriter • Republic Of India, IN

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