Associate Director - Credit Underwriting - FinTech

Associate Director ( Credit Underwriting )

- We have an urgent of Associate Director ( Credit Underwriting ) in Fintech Company.

- This is a full-time on-site role for the Chief Manager/Associate Director credit

- Affordable Housing and LAP position at WeRize. The role involves managing credit policies and risk across all products by ensuring that the set processes and underwriting guidelines are being met. The AD/CM will work closely with the sales team to understand client needs and create credit policy and underwriting frameworks for the Affordable Housing and LAP segment.

- Minimum of 8-18 years of experience in affordable housing and mortgage underwriting.

- Person should be either from HFC or NBFC

- Have handled both lower income salaried and lower income self-employed/MSME underwriting with the loan amount up to 50 lakhs.

- Capable to create and monitor state level policies for underwriting, legal and technical.

- Understand the state level policy nuances and handled a region or zone at least in the past.

- Strong understanding of the credit underwriting process in the affordable housing and LAP sector, including appraisal and valuation methodologies, loan-to-value ratios, and qualitative criteria such as borrower character and credit history.

- Demonstrable experience in developing and implementing new credit products, policies, and procedures in affordable housing and Mortgage Financing sectors.

- Excellent analytical and problem-solving skills, with an ability to interpret complex information, draw conclusions, and make recommendations in a clear and concise manner.

- Good communication and collaboration skills to work effectively with cross-functional teams such as sales, operations, credit risk, and technology.

- Experience in managing teams and leading credit risk functions is a plus.

- Interpretation of legal and technical reports.