Credit Underwriter

Job Responsibilities:

• Evaluating the creditworthiness of potential customers based upon multiple online and offline data sources.
• Conducting personal discussions with customers to clarify all open questions.
• Decision applications based on creditworthiness and business outlook.
• Deciding trade credit for borrowers (lending amount & period).
• Adhering to strict TAT for underwriting applications
• Maintaining quality of underwriting as per SOP
• Monitoring loan payments and bad debts.
• Reviewing and updating the company's credit policy.
• Defining early warning signals to track portfolio performance.
• Work with policy/product/operations team to ensure the right risk parameters are captured and assessed.
• Vendor Management.

Candidate Profile:

• Must have a minimum 2 years of work experience in SME underwriting for products like Invoice Finance, Business Loans; prior experience in Fintech/NBFCs preferred.
• Thorough understanding of SME Financing, Supply Chain Finance and Credit processes.
• Good at market intelligence, should be able to provide inputs & feedback for policy and process improvement.
• Eye for detail/Diligent Personality.
• Good communication and interpersonal skills.
• Proficient in MS Excel and ability to bring out insights from data.
• Experience in setting up strong credit underwriting processes and scale them.
• Candidate must have experience in working on digital platforms.
• Must be solution oriented.
• Must have strong analytical skills.

shivani.pradeepa@m1xchange.com.