My Paisaa- Credit Underwriter

Credit Underwriter

Job description

Key Responsibilities:

• Review and analyse credit applications to determine creditworthiness and assess risk.
• Evaluate financial documents, credit reports, and other relevant information to make informed credit decisions.
• Ensure compliance with company policies, procedures, and regulatory requirements.
• Collaborate with sales, operations, and customer service teams to ensure a seamless customer experience

• Communicate credit decisions to applicants and provide clear explanations for approvals or denials.
• Monitor and manage the performance of the loan portfolio, identifying trends and potential risks.
• Stay updated with industry trends, best practices, and regulatory changes affecting credit underwriting.

Requirements:

• Bachelor's degree in finance, Accounting, Business, or a related field.
• 1–2 years of experience in credit underwriting or a similar role (Preferred but not mandatory).
• Strong analytical skills and attention to detail.
• Excellent communication and interpersonal skills.
• Proficiency in financial analysis and risk assessment.
• Familiarity with credit scoring models and underwriting software.
• Ability to work independently and as part of a team in a fast-paced environment.
• Knowledge of regulatory requirements and industry best practices.

Preferred candidate profile

• Experience in the fintech or banking industry.
• Knowledge of local market dynamics and customer behaviour.
• Strong problem-solving skills and ability to make sound decisions under pressure.