Credit Underwriting Specialist (Working capital and SCF)

Role Overview: We are looking for an experienced Credit Underwriting Specialist with expertise in working capital products to join our team. The ideal candidate should have a deep understanding of core working capital financing products, including CC (Cash Credit), OD (Overdraft), WCDL (Working Capital Demand Loan), Supply Chain Financing, and Bills Discounting. This role is an individual contributor position based in Bangalore

Key Responsibilities:

• Perform detailed credit assessment and underwriting for working capital products such as Cash Credit (CC), Overdraft (OD), Working Capital Demand Loans (WCDL), Supply Chain Financing, and Bills Discounting.
• Evaluate MSME/SME or B2B clients' financial health, analyzing balance sheets, P&L statements, and other financial documents to determine creditworthiness.
• Conduct a thorough risk analysis and determine the appropriate credit limits for clients based on their financials, credit history, and business profile.
• Prepare and review credit proposals, ensuring compliance with internal credit policies, risk management guidelines, and regulatory requirements.
• Build and maintain relationships with internal teams such as Sales, Risk, and Operations to ensure smooth onboarding of clients.
• Ensure timely and accurate processing of credit proposals and approvals.
• Provide recommendations and solutions to clients while adhering to risk guidelines.
• Monitor portfolio performance, identify potential risks, and take appropriate actions to mitigate credit exposure.
• Collaborate with senior management to provide insights on portfolio trends, client profiles, and risk factors.
• Work independently and contribute to the growth and success of the credit underwriting team.

Key Requirements:

• Minimum 3 to 7 years of experience in credit underwriting, with CA or Full time MBA. 
• Solid understanding and experience with core working capital products (CC/OD/WCDL/Supply Chain/Bills Discounting).
• Proven experience in underwriting MSME/SME credit or B2B portfolios with a focus on limits up to 50 Lac.
• Strong analytical skills and ability to assess financial documents and perform risk assessments.
• Experience working in an individual contributor role, demonstrating self-motivation, initiative, and accountability.
• Previous work experience in an NBFC or Bank is required (no candidates from Fintech or Unsecured Loans).
• Excellent communication and negotiation skills to engage with clients and internal stakeholders.
• Strong attention to detail, with a focus on accuracy and compliance.
• Early joiners will be preferred.