Credit Underwriter

Experience: 3-5 Years | Opening(s): 2 | Posted Date : 22-05-2023

Job Description Job Responsibilities:

Experience of working in a Fintech / NBFC is preferred.
        Location-Sector 60 Gurgaon
  • 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

Functional Area



Any Graduate, Post Graduate

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