Credit Analyst / Underwriter

Job description of this profile as follows:

Credit Manager will be responsible for evaluating, underwriting, and managing the credit risk associated with vehicle loans (including new/used CV loans, two-wheelers, 3-Wheelers, Electric vehicles). This role focuses on assessing creditworthiness, ensuring zero fraud, streamlining loan turn-around-time (TAT), maintaining a healthy portfolio quality, and achieving a sustainable balance between business growth and risk mitigation.

Core Responsibilities:

1. Credit Underwriting & Risk Assessment:

• Evaluate loan applications for wheels products based on internal credit policies, financial statements, bank statements, Bureau records (e.g., CIBIL), and field verification reports.
• Identify potential red flags, financial stress, or fraudulent documentation early in the underwriting lifecycle.
• Assess the buyer's repayment capacity, cash flows (especially for self-employed individuals and commercial operators), and the valuation/LTV (Loan-to-Value) ratio of the vehicle being financed.

2. Portfolio Quality & Monitoring:

• Track early mortality accounts and manage the non-performing asset (NPA) percentages within the assigned geography or product category.
• Monitor monthly bounce rates, overdue accounts, and collection trends to proactively alter credit guidelines if specific segments show high risk.
• Conduct periodic portfolio reviews and sample audits of disbursed cases to ensure absolute policy compliance.

3. TAT Management:

• Ensuring quick Turn-Around-Time (TAT) from application login to final credit sanction without compromising risk standards.

Key Candidate Requirements:

• Candidates should have 4-5 years' experience in credit underwriting of Wheels product.
• Relevant experience in credit underwriting within an NBFC or bank.
• Good understanding of bureau reports, income assessment, banking analysis, credit policies, and lending processes.
• Ability to independently evaluate credit proposals and recommend appropriate credit decisions within delegated authority.
• Strong analytical skills, attention to detail, and sound credit judgment.