Experience of working in a Fintech / NBFC is preferred.

• Appraising the creditworthiness of the customers availing loans.
• Worked in Unsecured Personal Loan.
• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
• Evaluate customer records and recommend payment plans based on data earnings, savings, payment history and purchase activity.
• Understanding business models, critical analysis of business and financial risks, financial ratio analysis, credit meetings to evaluate customers' financial status.
• Comprehensive offbalance sheet analysis of the borrower with respect to banking, tax returns, debtors/creditors analysis, creditworthiness, background check, CIBIL, ROC and various other compliance etc.
• Compare liquidity, profitability and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Complete loan applications, including credit analyses, summaries of loan requests, risk involved, risk mitigates, scrutinizing relevant documents before sanctioning/disbursing loans, ensuring compliance with credit policies and presenting the recommendations for the proposal to the Credit committees for approval.
• Analyzing the portfolio health and risk involved in particular segment of assets profile and giving timely feedback to the sales team in the region.
• Ensuring portfolio quality is maintained to the highest standards and delinquency is under control.
• Performing Credit follow-ups on parameters to establish credit-worthiness of clients for approval of credits.
• Scrutinizing the documents provided by customers for ensuring compliance to all rules & regulations.

Credit Underwriter

Attention to financial details, Understand Lending requirements, Analytical capable of evaluating financial information

Underwriting

Any Graduate, Post Graduate