Indifi - Associate Director - Underwriting

Responsibilities:

- Lead a team of 10-15 underwriters and guide them in taking decisions in line with credit policy and TAT.

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

- Measure and monitor approval rates, early delinquency, and non-starter cases.

- Interact with Lending partners on the platform to ensure that agreed SLAs are being met on a day-to-day basis, have fortnightly meeting (along with Collections team) to update the Lending Partners on portfolio quality.

- Work with Risk and Collections to identify areas of concerns in the portfolio and suggest corrective action.

- Provide suggestions to enhance the credit decision model.

- Coordinating with Sales, Operation, Legal, Technology and Customer Service team effectively.

- Regularly undertake projects directed towards process enhancement and automation to enable faster TAT and better quality underwriting decisions.

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

Skills required:

- Keen interest towards tech driven new age/ alternate data-based credit decision process.

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

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

- Critical thinker with strong decision-making ability, excellent written and verbal communication.

- Demonstrated capabilities towards multiple stakeholder management and presenting analysis/ report to Senior Management.