BCM- Emerging- MPCG&East Professional

Job Purpose

Responsible for evaluating and underwriting loan applications received via digital channels. Focus on quick, accurate decisioning with policy adherence, KYC verification, fraud checks, and coordination with stakeholders to achieve seamless, paperless disbursements.

Key Responsibilities

• Evaluate digital loan applications within defined turnaround time (TAT) using scorecards and policy rules.
• Perform digital KYC, bureau checks, income surrogates, and fraud screening; escalate suspicious cases.
• Prepare concise credit notes/CAMs for non-STP or exception cases; recommend decisions as per DOA.
• Ensure accurate documentation and track postdisbursement document (PDD) closure where applicable.
• Coordinate with sales/operations for clarifications, rework, and smooth disbursement.
• Monitor early vintage performance/FPD for approved cases and provide feedback to improve filters.
• Adhere to underwriting policy, regulatory requirements, and internal audit standards, clear QA observations PDs of specific cases.

Skills Required

• Strong analytical and decision-making skills.
• Knowledge of retail lending credit policies and scorecards.
• Proficiency in digital KYC, fraud control, and MIS tools.
• Attention to detail and compliance orientation.

Educational Qualifications and Experience

• Graduate / Post-Graduate in Finance, Commerce, or related field.
• 1-3 years in credit appraisal/underwriting; experience in digital/fintech lending preferred.

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