Indifi - Underwriter

Responsibilities:

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

- Understand financials statements, banking analysis and bureau reports.

- Meeting and personal discussion with applicant to understand 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 portfolio to analyze such cases for future actionable to maintain underwriting quality.

Skills & experience required:

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

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

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