Senior Credit Underwriter Fintech/NBFC
Location: Bangalore
Experience: 4+ Years
About the Role:
We are seeking an experienced Credit Underwriter with strong expertise in education loans, retail lending, unsecured credit ,secured credit within the Fintech and NBFC space. The candidate should have hands-on experience in underwriting, evaluating financials, managing risk, and working with diverse stakeholders to maintain portfolio quality.
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.
