EarlySalary.com - Manager - Underwriting Unsecured Loans

Job Description for Role: Underwriting Manager

Job Title: Manager Underwriting Unsecured Loans

Experience : 3 to 6 Years

Job location : Pune

Job Description:

Underwriting is a core business-driving role. Person eligible for this role must have strong understanding on retail lending in India, worked in personal lending/loan, unsecured credit and/or credit card companies in operations and underwriting teams. Understanding of credit scoring, CIBIL scores, risk modeling, core underwriting, collections and recovery management and business operations for lending is utmost important.

Responsibilities:

- Banking professional (or leading institutional background) with experience of 3 to 6 years in banking operations and unsecured lending is a requisite

- Understands application of the principles in the defined tasks related to basic Retail Banking processes such as risk calculation, credit policies, CIBIL scores etc

- Knows the purpose of regulation and which authority is responsible for Banking & Financial Services supervision; understands regulations and compliance requirements for own allocated tasks

- Demonstrates an understanding of the role and importance of risk control and risk improvements and how these apply to own process

- Should have the capabilities to build a strong relationship with key counterparts and client points of contacts in order to be constantly updated about any changes and be in sync with the client

- Able to work on modern credit underwriting systems and rules

Qualifications:

- Worked for Banking/NBFC/UW processing centers with core underwriting background in unsecured credit/lending including personal loans, credit cards etc

- Post graduate in business management

- Experience in core banking products, knowledge on processes related to product management, underwriting systems, will be a added benefit.

- Deep knowledge of risk profile and has lead a team for risk profiling in unsecured credit

About EarlySalary.com

EarlySalary.com is a new age NBFC linked lending platform that will change the way loans in India are taken. Being a new age online NBFC brand, it bring together new credit scoring systems for superior customer profiling while its mobile first strategy will help customers get fast loans with-in 7 minutes. New age NBFC and online platform is backed by a strong leadership team and is aimed at building a new credit scoring platform which combines traditional credit scoring with new social and online scoring technology linked risk assessment concepts to deliver a disruptive new business model set to change the lending market in India.