Credit Manager

Job Description

About the Company: At WeCredit, we partner with heading NBFCs to help Customers find the best online financial solutions, including quick and hassle-free loans. Our skilled team provides assistance every step of the way, from Completing your loan documents to ensuring fast disbursal of funds. About The Role: We are looking for a detail-oriented and analytical Credit Underwriter to join our Credit & Risk team. The ideal candidate will assess loan applications, evaluate creditworthiness, and make informed decisions that align with the company’s risk appetite and business goals. Key Responsibilities: Review and analyze loan applications, financial documents, and credit reports Assess applicant risk by evaluating income, liabilities, employment, and repayment capacity Make clear, data-driven underwriting decisions within defined turnaround times Ensure compliance with internal policies, regulatory norms, and credit risk standards Collaborate with sales, collections, and operations teams to ensure seamless customer journeys Continuously refine underwriting criteria based on performance and market trends Document decisions and maintain accurate underwriting records Qualifications: Bachelor’s degree in Finance, Economics, Business, or related field 1–3 years of experience in credit underwriting, preferably in NBFCs or fintech companies Strong understanding of credit risk, financial ratios, and lending practices Proficiency in MS Excel and credit scoring tools High attention to detail and strong analytical skills Ability to work independently and make sound judgments Experience in underwriting Personal loans or digital lending platforms (Preferred) Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Delhi, Delhi: Reliably commute or planning to relocate before starting work (Preferred) Application Question(s): Current CTC? (Annual) Expected CTC? (Annual) Notice Period? (In Days) Have you previously handled underwriting for personal loans? Experience: Underwriting: 1 year (Required) Work Location: In person