Senior Credit Underwriter

Senior Credit Underwriter – Fintech/NBFC

Location:

Experience:

About the Role:

education loans, retail lending, unsecured credit

Key Responsibilities:

• Underwrite loan applications across multiple products (Education Loans, Retail Loans, Business Loans, Consumer Loans).
• Assess loan requests by analyzing

  financial statements, ratios, repayment capacity, FOIR, and bureau reports (CIBIL/Experian/CRIF)

  .
• Handle

  ticket sizes ranging from [20 Lakh – ₹50 Lakhs]

  with defined approval authority limits.
• Evaluate applicant creditworthiness and recommend

  credit limits, terms, and repayment structures

  .
• Ensure adherence to

  internal credit policies, RBI guidelines, and regulatory norms (KYC, PMLA, etc.)

  .
• Collaborate with sales, risk, and operations teams to balance

  business growth and portfolio quality

  .
• Clearly communicate credit decisions and policies to clients and internal stakeholders.
• Utilize strong negotiation skills to resolve disputes and align with cross-functional teams.
• Continuously monitor portfolio performance and provide recommendations for policy/process improvements.

Requirements:

• 4+ years of experience in

  credit underwriting in Fintech/NBFCs

  .
• Exposure to underwriting in organizations like

  Varthana, Navient, Auxilo, Splash Financial, Eduvanz, and Banks

  (or similar).
• Proficiency in

  evaluating financial statements, ratio analysis, and risk assessment methodologies

  .
• Strong decision-making ability with experience in

  approval authority levels

  .
• Excellent communication and negotiation skills to handle clients and internal stakeholders.
• Knowledge of

  credit automation tools, underwriting platforms, and digital lending practices

  is an advantage.

Preferred:

• Hands-on experience in

  education loan underwriting

  and related products.
• Ability to work with

  large ticket sizes and structured lending products

  .
• Track record of maintaining high approval quality with minimal delinquencies.