Job Description
Underwriting & Risk Evaluation
- Independently underwrite unsecured business loan applications, ensuring alignment with internal risk appetite and credit policy.
- Deep-dive assessment of business cash flows, banking trends, financial statements, GST returns, and credit bureau data.
- Identify credit red flags such as fund diversion, multiple liabilities, structured banking, and abnormal cash movements.
- Analyze non-financial risk factors (e.g., business vintage, industry, customer concentration, geographic concentration).
Portfolio Risk Management & Controls
- Participate in building and refining credit policy frameworks and risk acceptance criteria (RAC) based on portfolio performance.
- Monitor portfolio quality metrics like bounce rates, early delinquency trends (1-30 DPD), and NPA movements.
- Support root-cause analysis for credit losses and propose corrective policy or underwriting interventions.
- Track and flag emerging risk segments or borrower behaviors across geographies, industries, and channels.
Process & Governance
- Ensure strict adherence to credit governance, including documentation, system checks, exception handling, and audit compliance.
- Recommend and implement underwriting rule enhancements in coordination with product, credit ops, and tech teams.
- Contribute to risk scoring model validation by providing feedback on model performance vs actual outcomes.
- Engage in monthly portfolio review discussions and contribute to credit committee decisions, as needed.
- Independently underwrite unsecured business loan applications, ensuring alignment with internal risk appetite and credit policy.
- Deep-dive assessment of business cash flows, banking trends, financial statements, GST returns, and credit bureau data.
- Identify credit red flags such as fund diversion, multiple liabilities, structured banking, and abnormal cash movements.
- Analyze non-financial risk factors (e.g., business vintage, industry, customer concentration, geographic concentration).
Portfolio Risk Management & Controls
- Participate in building and refining credit policy frameworks and risk acceptance criteria (RAC) based on portfolio performance.
- Monitor portfolio quality metrics like bounce rates, early delinquency trends (1-30 DPD), and NPA movements.
- Support root-cause analysis for credit losses and propose corrective policy or underwriting interventions.
- Track and flag emerging risk segments or borrower behaviors across geographies, industries, and channels.
Process & Governance
- Ensure strict adherence to credit governance, including documentation, system checks, exception handling, and audit compliance.
- Recommend and implement underwriting rule enhancements in coordination with product, credit ops, and tech teams.
- Contribute to risk scoring model validation by providing feedback on model performance vs actual outcomes.
- Engage in monthly portfolio review discussions and contribute to credit committee decisions, as needed.
💡 Quick Summary
Seeking a career-building opportunity? The Credit Risk Underwriting Role position is now open for candidates interested in the Bank Jobs sector. This role in New Delhi offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
