Senior Process Executive

The Merchant Underwriter position is a key role within the Merchant Management team, where you will be responsible for conducting merchant underwriting for new merchants interested in utilizing our lending program. Your primary tasks will include evaluating merchant applications, performing risk assessments, and escalating complex cases as necessary. It is imperative that you analyze and interpret both commercial and consumer credit reports, scrutinize tax returns and other financial documentation to facilitate informed credit decisions, and conduct a comprehensive credit investigation to ascertain the overall risk level of each merchant. Your role as a Merchant Underwriter is crucial in ensuring regulatory compliance, supporting business expansion, and aligning merchant operations with established standards and policies. Effective communication of decisions and requests for additional information to merchants, periodic phone coverage for verification calls, and meticulous review of internal and external resources to identify reputation or fraud risks are among your key responsibilities. Adherence to bank policies, company guidelines, and regulatory requirements, along with providing exceptional customer service within designated service level agreements, is paramount in this role. In addition to the above responsibilities, the ideal candidate for this position should possess at least 1 year of experience in underwriting, compliance, or risk management. Proficiency in assessing complex risk factors, evaluating detailed business reports and financial data, familiarity with CRM and underwriting tools, and the ability to review financial statements and documents are essential skills. Strong time management, organizational abilities, verbal and written communication skills, proficiency in Microsoft Office, independence in handling routine tasks, multitasking capabilities, effective internet research skills, and a preference for candidates with prior underwriting experience or a Bachelor's degree in a relevant field are desirable qualifications. This position requires an immediate to 30-day notice period and is located in Mangalore, operating on a US shift schedule. The preferred skills for this role include expertise in India Banking encompassing Consumer Banking, Mortgage, Lending Operations, and Commercial Banking.,