Manager- Credit Underwriting

About the Role

As the Deputy Manager/Manager Credit for Lending Kart, you will play a crucial role in managing and overseeing the credit operations and processes of the organization. You will work closely with the Credit Manager and other cross-functional teams to optimize credit operations and contribute to the overall growth and success of the company.

Some high level things you would own but not limited to:

• You will evaluate creditworthiness of loan applicants through analysis of financial statements, credit scores, payment history, and other relevant factors.
• You will make informed decisions on loan applications based on the company's credit policies and risk tolerance.
• You will conduct thorough credit risk analysis to identify potential risks and develop risk mitigation strategies - Credit Assessment and Decision Making
• You will oversee the end-to-end credit operations process, including loan application processing, documentation, and disbursement.
• You will collaborate with internal teams such as Sales, Underwriting, and Collections to ensure smooth and efficient credit operations.
• You will develop and implement credit policies, procedures, and guidelines to enhance efficiency and maintain compliance - Credit Operations Management.
• You will monitor and manage the credit portfolio to identify early warning signs, trends, and potential areas of concern.
• You will perform periodic portfolio analysis to assess the performance of loans, identify patterns, and make recommendations for portfolio optimization.
• You will utilize data and analytics to generate insights and develop strategies for minimizing credit risk and improving portfolio quality - Portfolio Monitoring and Analysis.
• You will stay updated on relevant regulations, guidelines, and industry best practices related to credit and lending.
• You will ensure compliance with regulatory requirements and internal policies in all credit-related activities.
• You will collaborate with the Compliance and Legal teams to address any compliance issues and implement necessary controls - Compliance and Regulatory Adherence.

What you would possess already:

• Bachelor's degree in finance, accounting, economics, or a related field. A master's degree or relevant professional certifications (such as CFA, FRM) would be a plus.
• Prior experience in credit analysis, underwriting, or credit risk management, preferably within the fintech industry.
• Strong understanding of credit risk assessment techniques, credit scoring models, and lending principles.
• Ability to work in a fast-paced, dynamic environment and handle multiple priorities simultaneously.