Freelance Consultant Credit Underwriting

Our client, a leading AI driven credit dsitribution company, is looking for an independent consultant who can deliver the following responsibilities :

• Be aware and knowledgeable of the various derived variables created using the raw data sources
• Be knowledgeable of the various data sources used while assessing SME applications for e.g. Bureau, Bank statement, GST, ITR, financial statements, etc
• Bureau report analysis: Consolidate multiple Consumer reports of directors, and Commercial bureau of the company into a single consolidated summary. Identify EMI payments from bureau reports.
• Banking analysis: From Current accounts & OD accounts identify business revenues, other revenues, EMI payments, Other Obligations, circular transactions etc.
• Triangulate of data across various data sources for e.g.
• EMI triangulation using Banking EMI vs. EMI from bureau and identify the matching EMIs and unmatched EMIs
• Triangulate income from Banking vs. Income from GST filing and identify the matching EMIs and unmatched EMIs
• Calculate Loan Eligibility based on various methodologies applicable in the industry

Location – Remote

Duration- 6 months

Capacity required- 20+ hours per week

Skills Required

• Education:

  Bachelor's degree in finance, accounting, business, or a related field.

• Experience:

  3-5 years in SME credit underwriting and analysis experience. Hands-on experience in analysing SME Bank statements, bureau reports, GST data, financial data and ITR to compute loan eligibility

  is mandatory

• Skills:

  Strong analytical, research, and communication (both oral and written) skills are essential. Attention to detail and Commitment to delivering on timelines is critical