Overview
Underwriting & Risk Evaluation
– Independently underwrite unsecured business loan applications, ensuring alignment with internal risk appetite and credit policy.
– Deep-dive assessment of business cash flows, banking trends, financial statements, GST returns, and credit bureau data.
– Identify credit red flags such as fund diversion, multiple liabilities, structured banking, and abnormal cash movements.
– Analyze non-financial risk factors (e.g., business vintage, industry, customer concentration, geographic concentration).
Portfolio Risk Management & Controls
– Participate in building and refining credit policy frameworks and risk acceptance criteria (RAC) based on portfolio performance.
– Monitor portfolio quality metrics like bounce rates, early delinquency trends (1-30 DPD), and NPA movements.
– Support root-cause analysis for credit losses and propose corrective policy or underwriting interventions.
– Track and flag emerging risk segments or borrower behaviors across geographies, industries, and channels.
Process & Governance
– Ensure strict adherence to credit governance, including documentation, system checks, exception handling, and audit compliance.
– Recommend and implement underwriting rule enhancements in coordination with product, credit ops, and tech teams.
– Contribute to risk scoring model validation by providing feedback on model performance vs actual outcomes.
– Engage in monthly portfolio review discussions and contribute to credit committee decisions, as needed.