Credit Executive

Company Description

Unifin Experts LLP is a fintech enabler and strategic advisory firm that empowers NBFCs, fintechs, and financial institutions to achieve rapid scalability, improved operations, and superior performance. By leveraging a ready-to-deploy technology ecosystem, Unifin delivers integrated solutions spanning technology, operations, analytics, and compliance. The firm has successfully helped clients streamline processes, reduce turnaround times, and achieve notable growth in lending products and services. At Unifin, the focus is on combining finance, strategy, and seamless execution to help clients build, expand, and optimize their financial businesses. The organization is committed to fostering innovation and creating meaningful impact.

Role Overview

As a Credit Executive, you will help the company decide whether a customer should get a personal loan. You will review loan applications, check financial details, and ensure every decision follows company rules and risk guidelines.

Key Responsibilities

• Review personal loan applications and verify customer information.
• Check income documents, bank statements, and credit reports.
• Assess customer eligibility based on defined lending guidelines.
• Identify possible risks in loan applications and escalate when required.
• Suggest suitable loan amounts and repayment terms as per company policy.
• Take decisions on loan approvals, rejections, or changes in loan terms.
• Maintain proper records and prepare basic reports on loan performance.
• Follow company policies, industry rules, and best practices.
• Support improvements in underwriting processes to improve efficiency and accuracy.

Who You Are

• A recent graduate or someone with up to 1 year of experience in credit or lending roles.
• Graduate in any relevant field such as commerce, finance, economics, or business.
• Basic understanding of secured and unsecured loans is a plus.
• Comfortable using Excel and operating a computer.
• Willing to learn, detail-oriented, and able to make logical decisions.

Work Location & Mode

• Location:

  South Delhi (near Nehru Place)

• Work Mode:

  On-site role (Work from Office)

• Preference:

  Candidates residing nearby or with an easy commute to the location will be given priority