Credit Manager - Underwriter

Company Description AU Small Finance Bank was founded over three decades ago by Mr. Sanjay Agarwal, a Chartered Accountant and first-generation entrepreneur, together with a dedicated and skilled team. The bank has grown rapidly, evolving from a small finance bank toward becoming a universal bank. Its approach is centered on designing solutions that are fully aligned with customers needs and financial goals. As AU Small Finance Bank expands, it maintains a long-term vision focused on community impact, sustainable growth, and inclusive financial services. Team members join an organization that values merit, innovation, and customer-centric thinking. Role Description This is a full-time, on-site Credit Manager Underwriter role based in Jaipur. The role involves assessing credit applications, conducting detailed financial analysis, and determining the creditworthiness of individuals and businesses in line with bank policies. The Credit Manager Underwriter will structure credit proposals, evaluate risk factors, recommend appropriate credit limits, and ensure compliance with regulatory and internal guidelines. The role includes collaborating with relationship managers and other stakeholders to clarify customer requirements, resolve queries, and support prudent portfolio growth. The position also requires ongoing monitoring of approved accounts, preparing credit reports, and contributing to continuous improvement of credit processes and risk frameworks. Qualifications Candidates should possess strong skills in Credit Management and Credit, with experience in evaluating and underwriting credit proposals.Candidates should possess expertise in Credit Risk Management and Finance, including understanding of financial statements and risk assessment frameworks.Candidates should possess advanced Analytical Skills to interpret data, identify trends, and make sound, evidence-based credit decisions.Relevant academic background such as a degree in Finance, Accounting, Economics, Business, or a related field; professional certifications (e.g.MBA in Finance) are an advantage.Knowledge of banking, lending products, and credit policies, preferably within retail.Strong attention to detail, decision-making capability, and ability to work with cross-functional teams in a high-volume setting.Effective written and verbal communication skills, with proficiency in preparing clear credit notes and presenting recommendations to senior stakeholders.