High Value Underwriter - Loan Against Property

Major Deliverables:

• Monitoring all CFAB product digital journeys from Credit side and ensuring testing/ tracing out further scope
• Active engagement with stakeholders- Product/Sales/Credit/Digital/Data Science/IT/Operations/Collections/relevant fintech/ IT vendors
• Enabling Best in Class End to End Digital Customer experience leading to business growth
• Tracing out opportunities/ not in line with policy rules from the customer segments coming in
• Discussing the data backed analysis with Credit Team/ Risk team and proposing relevant changes in the rules/ journey
• Suggest process/ journey changes and draft process notes/ BRDs
• Facilitating development/ modification of digital journeys by engaging with relevant stakeholders & BRE fintech/IT Vendors
• Credit Lead for BRE migration, Testing BRE rules for new policies along with other stake holders
• One product- one set of rules: Ensure standardisation of digital underwriting rules for Assisted digital and Online Digital journeys
• MIS Automation by liaison with Data Science/Digital and IT Teams
• Enabling enhanced Cross sell-Upsell for lending business
• Work along with DS and Risk team for development and review of credit decisioning scorecards
• SPOC for Digital Projects undertaken by CFAB Credit Team
• Contactless (credit free including alternate data) loan sanction- 1/3rd contribution to each of the products, another 1/3rd to be with minimal Credit touch
• Evaluation and implementation of cost effective processing tools e.g.- IDV across products
• Forward thinking and at every possible step implementation of Human less processes
• Drive better efficiency with Data Science team through Machine Learning Models
• Review and Presentations to Senior management/ relevant forums

Focus on decisioning of High Value cases for Business Loans and Loan Against Property across the country.
Underwrite for all customer segments for Retail high value loan products and decide/ present to senior level for decisioning.Authorize deviations raised and documented by underwriters in compliance with credit policy.Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.Manage end to end credit approval for all such high value cases from Pan-India which comes for decision from all Regions.

Education Qualification: Chartered Accountant

/MBA/PGDBA/PGPM or Equivalent