Credit Officer

Position: Credit Associate Department: Credit Job Summary: The Credit Associate is responsible for assessing and underwriting short-term personal loan applications. The role involves analyzing customer credit reports, bank statements, and income data to make informed credit decisions as per company policy and risk parameters. Key Responsibilities: * Evaluate customer applications for short-term/personal loans as per internal credit policy and regulatory norms. * Review CIBIL reports, Account Aggregator data, and banking PDF statements to assess repayment capacity. * Identify hidden obligations and cross-verification of salary credits, EMI outflows, and bounced transactions. * Perform credit underwriting based on parameters such as income stability, employer type, credit mix, loan exposure, and repayment behavior. * Validate customer information for fraud prevention and ensure authenticity of submitted documents. * Coordinate with sales and operations teams for clarification and timely processing of cases. * Record approval/rejection remarks with justifications on CRM. * Ensure TAT (Turnaround Time) adherence and maintain quality of underwriting decisions. * Check if the customer is already serving a loan with partner NBFCs and review repayment performance. * Identify thin-file and thick-file customers and evaluate accordingly. * Participate in ongoing process improvement and feedback discussions with risk and analytics teams. Key Skills & Competencies: * Strong analytical and decision-making ability. * Good understanding of credit bureau reports and banking analysis. * Proficiency in Excel, CRM tools, and PDF statement analyzers. * Detail-oriented with a strong focus on accuracy and compliance. * Excellent communication and coordination skills. * Ability to work in a fast-paced, target-driven environment. Qualification & Experience: * Bachelor’s degree (Finance, Commerce, or related field preferred). * 1–3 years of experience in credit underwriting or loan assessment (preferably short-term/personal loans). * Knowledge of Underwriting, CIBIL and digital lending ecosystem preferred.