๐ง๐ต๐ถ๐ ๐ฟ๐ผ๐น๐ฒ ๐ถ๐ ๐ณ๐ผ๐ฟ ๐ผ๐ป๐ฒ ๐ผ๐ณ ๐๐ต๐ฒ ๐ช๐ฒ๐ฒ๐ธ๐ฑ๐ฎ๐'๐ ๐ฐ๐น๐ถ๐ฒ๐ป๐๐
๐ฆ๐ฎ๐น๐ฎ๐ฟ๐ ๐ฟ๐ฎ๐ป๐ด๐ฒ: ๐ฅ๐ ๐ญ๐ฑ๐ฌ๐ฌ๐ฌ๐ฌ๐ฌ - ๐ฅ๐ ๐ฑ๐ฌ๐ฌ๐ฌ๐ฌ๐ฌ๐ฌ (๐ถ๐ฒ ๐๐ก๐ฅ ๐ญ๐ฑ-๐ฑ๐ฌ ๐๐ฃ๐)
Experience: 8+ yrs
Location: Delhi, Pune, Hyderabad
As a Credit Underwriter, you will be responsible for evaluating and approving education loan applications, ensuring compliance with lending policies and risk guidelines. You will conduct thorough credit analysis, reviewing financial statements, income verification, and collateral documentation to determine borrower creditworthiness. Working closely with cross-functional teams, you will manage the end-to-end underwriting cycle, from initial assessment to final approval decisions. Your expertise will help maintain portfolio quality while driving optimal approval rates for the education loan portfolio. Excellent analytical skills, strong communication, and a disciplined approach to risk will enable you to thrive in this dynamic, results-driven role.
Requirements
๐๐ฒ๐ ๐ฅ๐ฒ๐๐ฝ๐ผ๐ป๐๐ถ๐ฏ๐ถ๐น๐ถ๐๐ถ๐ฒ๐
โข Assess and analyze creditworthiness of education loan applicants using internal and external data sources
โข Prepare detailed credit reports and recommendations for senior management approval
โข Evaluate income, employment, and collateral documentation to ensure compliance with credit policies
โข Monitor delinquency trends and perform post-approval risk reviews
โข Collaborate with loan origination and servicing teams to streamline the underwriting process
โข Develop and maintain credit scoring models specific to education loan segments
โข Ensure adherence to regulatory and compliance standards in all underwriting activities
โข Provide guidance and training to junior analysts on credit assessment techniques
โข Participate in portfolio reviews and capital adequacy assessments
โข Proactively identify opportunities for process improvement and automation
๐ช๐ต๐ฎ๐ ๐ ๐ฎ๐ธ๐ฒ๐ ๐ฌ๐ผ๐ ๐ฎ ๐๐ฟ๐ฒ๐ฎ๐ ๐๐ถ๐
โข 8+ years of experience in credit underwriting, preferably within the education loan sector
โข Strong grasp of credit analysis, risk assessment, and loan structuring principles
โข Proven ability to evaluate complex financial information and derive actionable insights
โข Familiarity with credit scoring systems, regulatory requirements, and compliance frameworks
โข Excellent analytical, organizational, and decision-making skills
โข Ability to work collaboratively across multiple departments in a high-paced environment
โข Proficient in Microsoft Office Suite and credit analysis software
โข Demonstrated track record of maintaining high portfolio quality while achieving target metrics
โข Strong written and verbal communication skills in English and Hindi
โข Results-oriented mindset with a commitment to continuous improvement and learning