Credit Risk Underwriting Role

Underwriting & Risk Evaluation

- Independently underwrite unsecured business loan applications, ensuring alignment with internal risk appetite and credit policy.

- Deep-dive assessment of business cash flows, banking trends, financial statements, GST returns, and credit bureau data.

- Identify credit red flags such as fund diversion, multiple liabilities, structured banking, and abnormal cash movements.

- Analyze non-financial risk factors (e.g., business vintage, industry, customer concentration, geographic concentration).

Portfolio Risk Management & Controls

- Participate in building and refining credit policy frameworks and risk acceptance criteria (RAC) based on portfolio performance.

- Monitor portfolio quality metrics like bounce rates, early delinquency trends (1-30 DPD), and NPA movements.

- Support root-cause analysis for credit losses and propose corrective policy or underwriting interventions.

- Track and flag emerging risk segments or borrower behaviors across geographies, industries, and channels.

Process & Governance

- Ensure strict adherence to credit governance, including documentation, system checks, exception handling, and audit compliance.

- Recommend and implement underwriting rule enhancements in coordination with product, credit ops, and tech teams.

- Contribute to risk scoring model validation by providing feedback on model performance vs actual outcomes.

- Engage in monthly portfolio review discussions and contribute to credit committee decisions, as needed.