01Overview
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 .
