Indifi - Underwriter Role

Roles and Responsibilities

- Lead a team of credit officers and assist them in verifying the accuracy of loan applications. Understand and effectively manage the team's governance and performance.

- 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 requirement.

- Coordinating with sales, operation, legal, technical, and customer service team 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 portfolios to analyze such cases for future actionable to maintain underwriting quality.

Desired Candidate Profile

- 0-2+ years of experience in unsecured business loans/ Fintech Lending

- Masters or any post-graduate qualification is highly desirable. Bachelors in related fields like accounting, economics, business management, statistics, etc.

- Knowledge of various products such as business loans, lines 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. Also, perform well in team environments