Credit Underwriting

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: - ( - )

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.

• Assess and analyze creditworthiness of education loan applicants using internal and external data sources

• Prepare detailed credit reports and recommendations for senior management approval

• Evaluate income, employment, and collateral documentation to ensure compliance with credit policies

• Monitor delinquency trends and perform post-approval risk reviews

• Collaborate with loan origination and servicing teams to streamline the underwriting process

• Develop and maintain credit scoring models specific to education loan segments

• Ensure adherence to regulatory and compliance standards in all underwriting activities

• Provide guidance and training to junior analysts on credit assessment techniques

• Participate in portfolio reviews and capital adequacy assessments

• Proactively identify opportunities for process improvement and automation

• 8+ years of experience in credit underwriting, preferably within the education loan sector

• Strong grasp of credit analysis, risk assessment, and loan structuring principles

• Proven ability to evaluate complex financial information and derive actionable insights

• Familiarity with credit scoring systems, regulatory requirements, and compliance frameworks

• Excellent analytical, organizational, and decision-making skills

• Ability to work collaboratively across multiple departments in a high-paced environment

• Proficient in Microsoft Office Suite and credit analysis software

• Demonstrated track record of maintaining high portfolio quality while achieving target metrics

• Strong written and verbal communication skills in English and Hindi

• Results-oriented mindset with a commitment to continuous improvement and learning