Credit Underwriter

1. Credit Function Leadership with Digital Mindset:

• Build and lead a collaborative, forward-looking credit underwriting team that embraces digital tools and

analytics to streamline decision-making and enhance operational efficiency.

2. Mortgage Product Underwriting:

• Develop and implement robust credit appraisal frameworks for mortgage and housing finance products,

ensuring accurate assessment of borrower risk and alignment with NBFC lending standards.

3. Policy, System, and BRE Testing Support:

• Provide continuous feedback and insights for refining credit policies, system functionality, and Business Rules

Engine (BRE) to ensure seamless integration and accurate credit decisioning.

4. Policy Compliance Oversight:

• Ensure strict adherence to internal credit policies, risk frameworks, and regulatory guidelines, maintaining

audit readiness and minimizing credit risk exposure.

5. STP Process Quality Monitoring:

• Monitor Straight-Through Processing (STP) workflows for underwriting, identifying data gaps or process

inefficiencies, and implementing corrective actions to maintain quality and turnaround time.

6. End-to-End Digital Implementation:

• Drive the adoption and execution of fully digital credit underwriting processesfrom application to

disbursal—leveraging automation, data analytics, and digital verification tools to enhance customer

experience and operational scalability.

Qualification CA/ MBA

Years of Experience (minimum & maximum) 3-8Years

• Banking & NBFC

What are the nature and scope of responsibilities the candidate should have handled?

(Indicate which criteria are mandatory)

1. Development and execution of credit underwriting for mortgage products

2. End-to-end implementation of digital underwriting processes

3. Monitoring and improving STP (Straight Through Processing) efficiency

4. Ensuring compliance with internal credit policies and regulatory standards

5. Providing feedback on credit policy, system improvements, and BRE testing

6. Experience in housing/mortgage lending in NBFC or similar environment

Knowledge & Skills (Indicate which criteria are mandatory)

1. Strong knowledge of mortgage underwriting and credit appraisal

2. Understanding of BRE and digital credit systems

3. Proficiency in analyzing credit risk, financial statements, and borrower profiles

4. Familiarity with STP workflows and digital lending platforms

5. Knowledge of NBFC regulatory and compliance frameworks

6. Strong analytical, problem-solving, and team leadership skills