Credit Underwriter

About the Company:

At Credit sea, 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 unsecured loans or digital lending platforms(Preferred)

If you're someone who enjoys working with data, has a sharp eye for risk, and thrives in a dynamic environment—we’d love to hear from you!

Job Type: Full-time

Pay: ₹20,000.00 - ₹35,000.00 per month

Application Question(s):

• What is Your Current CTC
• What is your Expected CTC
• Notice Period In days?

Work Location: In person

Expected Start Date: 31/08/2025