Overview
About Company
The company operates in the real estate development industry, specializing in creating premium residential and commercial projects.
Job Description
Key Responsibilities
Credit and Underwriting
– Develop and continuously refine credit risk policies, underwriting guidelines, and approval processes for unsecured rural business loans
– Leverage alternative data sources, behavioural scoring, and cash flow analysis to assess creditworthiness
– Implement robust portfolio monitoring systems to track performance, detect stress early, and take corrective action
– Train and mentor credit officers in SME lending risk assessment techniques
– Implement process controls to minimize operational risks and errors.
Compliance & Risk Management
– Ensure compliance with RBI, NBFC, and local lending regulations.
– Implement strong KYC/AML processes to prevent fraud.
– Partner with internal audit & compliance teams for periodic checks and risk assessments.
– Maintain accurate and audit-ready loan operation records.
Customer Experience
– Ensure a seamless loan disbursement experience.
– Act as an escalation point for operational issues.
– Drive initiatives to reduce customer complaints and TAT delays.
Key Skills & Qualifications:
– 7-12 years of experience in Credit and Underwriting (preferably with NBFCs, banks, or fintechs).
– Strong knowledge of business loans, SME loans and unsecured lending.
– Familiarity with RBI/ NBFC compliance and regulatory guidelines.
– Hands-on experience with loan management systems (LMS) and core banking systems
– Strong analytical, process improvement, and problem-solving skills.
– Ability to work in a fast-paced startup environment and build systems from ground zero.
– Excellent communication and stakeholder management skills.