Job
Description
Role Overview: We are looking for a qualified Chartered Accountant (CA) with a minimum of 5 years experience in underwriting and credit evaluation in the banking or NBFC sector. The ideal candidate will have hands-on experience in assessing creditworthiness for secured or unsecured loan products, strong financial analytical skills, and a deep understanding of lending policies and regulatory guidelines. Key Responsibilities: Assess creditworthiness of individual and business loan applicants by evaluating financial documents, credit reports, and other supporting information. Conduct detailed financial statement analysis, cash flow analysis, and ratio analysis for risk assessment. Evaluate and approve/recommend credit proposals for secured (loan against property, mortgage, etc.) and/or unsecured loans (personal loan, business loan, etc.) as per defined credit policies. Collaborate with sales and operations teams to ensure quality underwriting within defined turnaround times (TAT). Ensure adherence to internal credit risk guidelines and regulatory frameworks (RBI, NBFC norms). Monitor portfolio performance and assist in developing early warning systems for risk mitigation. Recommend policy changes or improvements based on market trends, portfolio behavior, and risk appetite. Participate in audits, compliance reviews, and risk committee discussions when required. Train and guide junior underwriters and credit analysts. Key Requirements: Chartered Accountant (CA) mandatory. Minimum 5 years of experience in underwriting and credit evaluation within a bank or NBFC. Strong understanding of secured/unsecured lending products, credit policies, and risk management frameworks. Proficient in financial analysis, ratio analysis, and interpreting credit reports (CIBIL, CRIF, etc.). Hands-on experience with loan management systems and underwriting platforms. Strong interpersonal skills with the ability to work in a fast-paced environment. Attention to detail and sound judgment in decision-making. Preferred Experience: Exposure to MSME, SME, or LAP underwriting is a plus. Experience in a fintech or digital lending platform will be an added advantage. Knowledge of regulatory reporting and compliance norms (RBI/NBFC guidelines). Let me know if you'd like this tailored further to a specific loan product, company type (fintech vs traditional NBFC), or industry sector.
