Team Lead Credit Underwriter

Role Overview: As a Senior Credit Underwriter, your primary responsibility will be to evaluate loan applications and make informed underwriting decisions based on thorough financial analysis. You will play a crucial role in assessing credit risk, ensuring compliance with internal policies and regulatory guidelines, and collaborating with cross-functional teams to streamline credit processing. Key Responsibilities: - Evaluate loan applications by analyzing financial statements, bank statements, credit reports, GST returns, ITRs, and other relevant documents. - Perform quantitative and qualitative risk analysis to make informed underwriting decisions. - Approve, decline, or recommend applications within defined credit limits and policies. - Identify potential red flags, fraud indicators, and deviations in financial documents. - Ensure all cases adhere to internal credit policies, regulatory guidelines, and risk frameworks. - Maintain accurate records, underwriting notes, and decision rationale for audit and compliance teams. - Work closely with Sales, Operations, Collections, and Compliance teams to ensure smooth processing of credit files. - Provide timely responses and updates to stakeholders on file status and required documents. - Support policy enhancements by sharing insights and trends from underwriting cases. - Monitor early delinquency trends and highlight potential risks in the portfolio. - Assist the risk team in periodic reviews of credit policies and product programs. - Contribute to process improvements, automation initiatives, and quality audits. Qualification Required: - Strong analytical skills with the ability to interpret financial data. - Good understanding of credit underwriting for retail loans / SME loans / personal loans (as applicable to your company). - Familiarity with credit bureau reports (CIBIL, Experian, etc.). - Proficient in MS Excel; knowledge of financial ratios and cashflow analysis. - Excellent attention to detail and ability to identify inconsistencies. - Strong communication skills (both written & verbal). - Ability to work under defined TATs and manage multiple cases simultaneously.,