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Credit Underwriter – NBFC Background

6 years

0 Lacs

ahmedabad gujarat india

Posted:2 weeks ago| Platform: Linkedin logo

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Skills Required

lending creditworthiness risk portfolio data reports profiling flow assessment underwriting processing documentation scoring support audits compliance checks analysis analyze excel analytics communication

Work Mode

On-site

Job Type

Full Time

Job Description

Location:

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Credit Underwriter


Key Responsibilities


  • Evaluate loan applications by analyzing financial statements, income documents, banking data, bureau reports, GST records, and other risk indicators.
  • Conduct detailed credit assessments, including borrower profiling, cash flow review, and repayment capacity analysis.
  • Recommend approvals, modifications, or rejections based on risk assessment and internal policy guidelines.
  • Ensure underwriting decisions comply with NBFC credit policies, RBI guidelines, and risk frameworks.
  • Work closely with sales, operations, and risk teams to ensure seamless processing and TAT adherence.
  • Identify early warning signals and ensure continuous improvement in credit quality.
  • Maintain documentation, credit memos, and approval records with 100% accuracy.
  • Contribute to policy updates, risk scoring models, and process improvements.
  • Support audits, compliance checks, and portfolio reviews.


🎓 Requirements


  • 2–6 years of experience in credit underwriting within an NBFC, fintech, or BFSI setup.
  • Strong understanding of retail/MSME lending, credit bureau analysis, and risk assessment.
  • Ability to analyze financial documents, cash flows, bank statements, and business stability.
  • Knowledge of regulatory guidelines (RBI/NBFC frameworks).
  • Proficiency in MS Excel and basic analytics tools.
  • Strong decision-making, communication, and documentation skills.


How to Apply

hr@finguruindia.com

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