Credit Underwriter (Unsecured Loans) Liquiloans

2.0 - 5.0 years

3 - 5 Lacs

Mumbai

Work from Office

Job Summary: The Senior Credit Underwriter - Unsecured Loans is responsible for assessing and approving credit applications. The role involves detailed financial and non-financial analysis of applicants, with a strong focus on credit risk mitigation, policy adherence, and portfolio quality. The underwriter will also support the development of credit frameworks and guide junior team members. Key Responsibilities: Evaluate unsecured loan applications within defined TATs and risk parameters. Analyze applicant profiles using financial statements, bank statements, credit bureau reports (e.g., CIBIL, Experian), and alternate data sources. Approve or recommend decisions within delegated authority; escalate cases requiring higher approval levels. Monitor post-disbursal performance and provide inputs for early warning systems by bounce audits. Collaborate with sales, collections, fraud control, and operations to ensure seamless credit processing. Provide mentoring and training to junior underwriters or credit analysts. Highlight if any fraud parameter or business wise any fraud angle is seen. Qualifications: Bachelor's degree in Finance, Accounting, Economics, or related field or MBA in finance. Minimum 2-3 years of experience in unsecured loan underwriting. Experience with credit decision engines, LOS (Loan Origination Systems), Novel pattern or any other API tools. Familiarity with regulatory guidelines (RBI, NBFC, fintech norms).

Posted 1 month ago

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