Senior Credit Underwriter

ConfidentialMumbai, India

3 days ago

Job description

Job Role : - Senior- Credit Underwriter

Job Location : - Andheri, Mumbai

Experience Required : - Minimum 3+ years in Credit Underwriting

Job Description : Key Responsibilities

1. Credit Assessment & Underwriting

Evaluate loan applications by analyzing financial statements, bank statements, credit reports, GST returns, ITRs, and other relevant documents.
Assess borrower creditworthiness based on income stability, repayment capacity, financial behaviour, and risk factors.
Perform quantitative and qualitative risk analysis to make informed underwriting decisions.
Approve, decline, or recommend applications within defined credit limits and policies.

2. Risk Review & Documentation

Identify potential red flags, fraud indicators, and deviations in financial documents.

Ensure all cases adhere to internal credit policies, regulatory guidelines, and risk frameworks.

Maintain accurate records, underwriting notes, and decision rationale for audit and compliance teams.

3. Cross-Team Collaboration

Work closely with Sales, Operations, Collections, and Compliance teams to ensure smooth processing of credit files.

Provide timely responses and updates to stakeholders on file status and required documents.

Support policy enhancements by sharing insights and trends from underwriting cases.

4. Portfolio Monitoring & Reporting

Monitor early delinquency trends and highlight potential risks in the portfolio.

Assist the risk team in periodic reviews of credit policies and product programs.

Contribute to process improvements, automation initiatives, and quality audits.

Required Skills & Competencies

Strong analytical skills with the ability to interpret financial data.

Good understanding of credit underwriting for retail loans / SME loans / personal loans (as applicable to your company).

Familiarity with credit bureau reports (CIBIL, Experian, etc.).

Proficient in MS Excel; knowledge of financial ratios and cashflow analysis.

Excellent attention to detail and ability to identify inconsistencies.

Strong communication skills (both written & verbal).

Ability to work under defined TATs and manage multiple cases simultaneously.

Skills Required

Ms Excel, Risk Analysis

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Senior Underwriter • Mumbai, India

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