Senior Underwriter - Surety & Credit Risk

About the Role:

- We are looking for a highly skilled and analytical Senior Underwriter with deep experience in financial analysis, traditional credit risk assessment as well as next-gen assessment methods - scorecards and automated decision tools-for fast, reliable, compliant decisions across MSME and mid-market borrowers.

- The role is ideal for professionals having experience of working with banks, NBFCs, Credit rating agencies, Fintechs or Credit Insurance with a proven track record.

- As a senior member of the team, you would be expected to lead development of risk assessment models and automatic decisioning framework.

Key Responsibilities;

- Integrate alternative data sources (GST, e-invoices, bank statements, credit bureau, financials, transactions) into models and rules.

- Partner with the Product / Tech team to ship automated journeys (pre-screen - decision - document - activation) and implement continuous monitoring rules.

- Build and calibrate Risk model / scorecards (application/behavioural), run back-testing and suggest improvements.

- Translate policy to decision engines (rule flows, cut-offs, overrides, reason codes); ongoing experiments to improve approval rates, risk and TAT.

- Independently review and underwrite credit proposals with focus on MSMEs, medium and large contractors, and infrastructure-linked businesses.

- Monitor portfolio performance, identify early warning signals, and recommend corrective measures.

- Mentor junior underwriters on credit appraisal, risk modeling and policy compliance.

Key Skills:

- Positive attitude towards work in a fast-paced, ever evolving set up.

- Hands on experience in risk modelling, automated decisioning methodology.

- Strong command over credit risk assessment.

- Expertise in cash-flow based lending assessment and stress-testing of projections.

- Understanding of MSME, EPC, construction, and infrastructure sector dynamics.

- Understanding of Surety Bonds, Credit Insurance would be a plus.

Required Qualifications:

- Postgraduate degree in Finance, Commerce, Economics, Statistics or Accounting.

- Professional qualifications (CA, CFA, MBA-Finance, FRM) strongly preferred.

- 8-12 years of professional experience in the finance domain including credit underwriting, risk modelling, experience in automating the credit decision making process.

- Proven ability to evaluate complex credit proposals and manage exposures across MSME and project-linked entities.

- Excellent communication and negotiation skills.

- Proficiency in MS Excel, financial modeling, and credit appraisal systems