About the Role

We have multiple openings in our Underwriting Department. Based on the applicant's experience, the role designation will be determined accordingly. We are seeking a highly skilled and analytical - Surety Underwriter- with deep expertise in financial analysis, traditional credit risk assessment, and next-generation assessment methodologies. The ideal candidate will play a key role in enabling fast, reliable, and compliant credit decisions across MSME and mid-market borrower segments. This position is best suited for professionals with experience in banks, NBFCs, credit rating agencies, fintechs, or credit insurance firms, who possess a proven track record in underwriting excellence. As a member of our team, you will participate in the development of risk assessment models and automated decisioning frameworks, while also - mentoring junior underwriters- in credit evaluation and best practices, basis your experience.

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.

- 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.

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

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

Key Skills

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

- 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.

- Experience in risk modelling, automated decisioning methodology would be a plus.

- 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.

- 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 modelling, and credit appraisal systems.

Why Join Us

- Build and scale India's emerging surety underwriting practice with high visibility in the market.

- Exposure to complex, high-value transactions and sector-wide risk analysis.

- Clear career progression to leadership roles.

- Competitive pay, benefits, and a culture that values analytical rigor and sound risk judgment.