Process Executive

About the Role

We are seeking an analytical, detail-oriented, and ambitious Underwriter (Fresher) to join our retail lending credit team. In this entry-level role, you will be trained to evaluate personal loan applications, assess borrower risk profiles, verify documentation, and make sound credit decisions in alignment with company lending policies. This position is ideal for numerate graduates looking to build a career in credit risk assessment, banking, and financial underwriting. Comprehensive training on risk matrices, credit bureau reports, and credit-scoring tools will be provided.

Key Responsibilities

• Application Review: Examine personal loan applications thoroughly for completeness, accuracy, and consistency.
• Credit Evaluation: Analyze credit bureau reports (CIBIL/Experian), bank statements, salary slips, and income tax returns (ITR) to gauge applicant creditworthiness and repayment capacity.
• Risk Assessment: Identify potential fraud, red flags, discrepancies, or high-risk indicators in applicant profiles.
• Verification Support: Coordinate with internal verification teams or external agencies to validate employment, residential stability, and financial authenticity.
• Decision Making: Recommend or approve loan amounts, tenures, and interest rates within prescribed discretionary lending limits, escalating complex files to senior underwriters.
• Compliance: Ensure all underwriting files adhere strictly to internal lending policies, RBI/regulatory guidelines, and Know Your Customer (KYC) norms.

Requirements & Tech Stack

• Education: Bachelors degree in Commerce, Finance, Economics, Accounting, Mathematics, Business Administration, or a related quantitative field.
• Analytical Skills: Strong numerical aptitude with a keen eye for detail and the ability to spot financial inconsistencies.
• Technical Literacy: Basic proficiency in MS Office (particularly MS Excel) and comfort navigating digital database systems.
• Communication: Clear and professional written and verbal communication skills to collaborate effectively with sales and credit operations teams.
• Attributes: High integrity, sound judgment, accountability, and the ability to work efficiently under daily turnaround-time (TAT) targets.

Qualifications

• Experience: Open to freshers; prior internship or coursework in credit analysis, banking operations, or financial auditing is a strong advantage.