Credit & Risk Underwriter

Credit Assessment Underwriting

 Evaluate loan applications for EV battery financing and leasing products

 Analyze customer profiles including income, cash flow, bureau reports, and business stability

 Conduct risk-based decisioning aligned with company policies

Risk Evaluation Control

 Identify potential credit risks and flag high-risk profiles

 Develop and implement underwriting frameworks for new customer segments

 Maintain portfolio quality by ensuring prudent lending decisions

Documentation Verification

 Review KYC and financial documents (many cases in Hindi/regional format)

 Coordinate with field teams for validation and discrepancy resolution

 Ensure compliance with internal policies and regulatory requirements

Stakeholder Coordination

 Work closely with sales, operations, and collections teams

 Support faster TAT while maintaining risk discipline

 Provide feedback loops to improve sourcing quality

Data &; Reporting

 Maintain underwriting logs and decision records

 Track approval/rejection trends and recommend improvements

 Assist in portfolio monitoring and early risk identification

Mandatory Requirement (Critical)

 Fluency in Hindi (Speak, Read, Write, Understand) – mandatory

 Ability to interpret Hindi documents, customer communication, and field reports

Skills Required

Understanding of credit bureau reports (CIBIL, Experian, etc.)

Proficiency in MS Excel / Google Sheets