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Credit Risk Underwriter

Credit Risk Underwriter

Aspire Ft

0 - 2 years

0 Lacs

Kolkata Mumbai New Delhi Hyderabad Pune Chennai Bengaluru

Posted:1 hour ago| Platform:

Apply

Skills Required

Data analysis Financial statements HP data protector Underwriting Analytical Financial planning Cash flow Credit analysis Credit risk Analytics

Work Mode

Work from Office

Job Type

Internship

Job Description

At Aspire, we re more than just a FinTech company we re the leading all-in-one financial operating system built to empower the world s innovators and entrepreneurs. We are on a mission to reinvent business finance, empowering startups and businesses to realise their full potential.

Founded in 2018, Aspire has raised over

USD 300M+

across equity and debt from world-class investors. In 2023, we successfully closed an oversubscribed

USD 100 million

Series C equity round led by Sequoia Capital and Lightspeed Ventures with participation of Tencent, Paypal Ventures, LGT Capital Partners, Picus Capital and MassMutual Ventures. To power our solutions, we have partnered with some of the best companies in the world such as Visa and Wise and empowered more than 50,000 businesses using our suite of products.

Aspire has consistently been recognized for excellence, earning

Best Employer

and

Startup of the Year

by the

Asia FinTech Awards

2022

and

2023

, ranked as

LinkedIn s Top Startup in Singapore

, and listed on

CB Insights Top 100 Global Fintech

2023

and

2024.

You will be amazed by the energy and experience of our team! Aspire serves as an environment for you to innovate and drive change with our team of ex-entrepreneurs, ex-founders, and high-achievers with international and diverse backgrounds.

Are you a top talent who is passionate about entrepreneurship? Join our rapidly growing team to make an impact in the fintech space!

About the team

At Aspire, the Finance team plays a strategic and pivotal role in Aspires continued expansion. Our comprehensive Finance function encompasses six key verticals: Financial Controlling, Treasury, Finance Analytics, Strategic Finance & Planning, Credit Risk, and Finance Strategy & Operations. From conducting in-depth strategic data analysis to spearheading Finance transformation initiatives with our Aspire software, youll directly contribute to critical business decisions in a dynamic market. This is an exciting chance to be part of a team that values strategic thinking, innovation, and robust controls in a hyper-growth environment.

About the role

Credit Underwriting for Aspires MSME loan portfolio
Responsible for evaluating and underwriting small business loan applications
Analyze financials, banking behavior, and business viability of micro and small enterprises while ensuring compliance with internal credit policies and regulatory norms
Analyze and create credit memo for new and renewal applications for credit products

Minimum Qualifications:

Bachelor Degree in Finance, Commerce, or Economics
0-2 years of experience in MSME loan underwriting / credit analysis
Freshers with strong internships in credit/risk welcome
Proficiency in bank statement analysis, ITR review, and GST cash flow trends
Strong understanding of financial statements and financial ratios

Preferred Qualifications:

BA/PGDM (Finance/Risk)
Strong analytical and documentation skills
Basic understanding of cash flow-based lending or surrogate income models
Good communication skills to coordinate with sales and operations teams

What we offer

Uncapped flexible annual leave.
Hybrid work arrangement.
Training subsidy for your professional growth.
Wellness benefit.
Team bonding budget to foster collaboration and sense of belonging.
Flexibility to work from anywhere (for up to 90 days per annum).
Culture is Key: We always strive to cultivate a special culture that brings special talents together - You can learn more about our culture on our careers site and LinkedIn Life page .

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Aspire Ft

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Personal Settings

Credit Risk Underwriter

Experience & Salary

Skills Required

Work Mode

Job Type

Job Description

USD 300M+

USD 100 million

Best Employer

Startup of the Year

Asia FinTech Awards

2022

2023

LinkedIn s Top Startup in Singapore

CB Insights Top 100 Global Fintech

2023

2024.

About the team

About the role

Minimum Qualifications:

Preferred Qualifications:

What we offer

More Jobs at Aspire Ft