Assistant Manager - Credit Underwriting (Digital Payment)

The Assistant Manager – Credit Underwriting is responsible for evaluating creditworthiness, assessing financial risks, and supporting credit decision-making for retail and/or corporate clients. The role ensures compliance with internal credit policies, regulatory requirements, and risk management frameworks while maintaining portfolio quality. Credit Assessment & Underwriting Analyze loan applications, financial statements, and supporting documentation to assess borrower creditworthiness. Conduct detailed credit risk analysis, including income verification, cash flow analysis, and repayment capacity. Evaluate credit proposals for retail, SME, or corporate segments (as applicable) and provide recommendations. Ensure adherence to internal credit policies, lending guidelines, and regulatory requirements. Risk Evaluation & Decision Support Identify potential risks and recommend appropriate mitigants. Review credit scores, bureau reports, and financial ratios. Assist in structuring loan proposals, including collateral evaluation and risk grading. Support decision-making by preparing credit appraisal notes and reports. Portfolio Monitoring Monitor existing credit portfolio performance and highlight early warning signals. Assist in periodic reviews of accounts and limit renewals. Work closely with collections and risk teams to manage delinquent accounts. Stakeholder Coordination Liaise with sales and operations teams to obtain required documentation. Coordinate with legal, valuation, and compliance teams for due diligence. Support internal/external audits and ensure timely closure of audit observations Process Improvement Identify opportunities to enhance underwriting processes and turnaround time. Contribute to automation initiatives and policy updates

Desired Candidate Profile

Knowledge & Skills Essential Strong knowledge of credit analysis, financial statement interpretation, and risk assessment Familiarity with credit bureau reports and risk rating models Proficiency in MS Excel and credit underwriting systems Preferred Strong analytical and problem-solving abilities Attention to detail and decision-making skills Excellent communication and stakeholder management Ability to work under pressure and meet deadlines Educational Qualifications Bachelor’s degree in Finance, Accounting, Economics, or related field Relevant Experience 5–8 years of experience in credit underwriting, risk assessment, or lending operations Experience in banking, NBFC, or fintech preferred Professional qualifications (CA, CFA, MBA – Finance) preferred Employment Type Full-time

Keywords