Indifi - Underwriter

Responsibilities :

- Lead a team of credit officers and assist them in verifying the accuracy of loan applications.

- Assessment of borrower profile, income stability, and repayment capacity.

- Understand financial statements, banking analysis, and bureau reports.

- Meeting and personal discussion with applicant to understand the business profile, risk areas, and loan requirements.

- Coordinating with sales, operation, legal, technical, and customer service teams effectively.

- Timely processing of the proposals to ensure faster TAT.

- Ensuring adherence to the internal credit policy, RBI guidelines, and guidelines specific to NBFC.

- Tracking existing portfolio to analyze such cases for future actionable to maintain underwriting quality.

- Understand and effectively manage the team's governance and performance.

Skills & experience required:

- 5+ years of experience in unsecured business loans/ Fintech Lending

- Masters or any postgraduate qualification highly desirable. Bachelors in a related field like accounting, economics, business management, statistics, etc.

- Knowledge of various products such as business loans, line of credit, dropline OD, etc. will be an added advantage.

- Knowledge of financial statement analysis, general accounting, cash flows, financial ratios, etc.

- Critical thinker with strong decision-making ability

- Strong written and verbal communication

- Perform well in team environments

Reporting to - Associate Director/ VP - Credit & Risk