Job Title: Underwriter – Credit & Risk
Company: Pointo (EV Battery Ecosystem)
Location: Barrackpore, Kolkata, West Bengal
CTC: *******
About Pointo
Pointo is building India’s largest battery swapping and financing ecosystem for electric mobility. We enable EV adoption through smart financing, battery lifecycle management, and risk-controlled credit models.
Role Overview
We are looking for a detail-oriented and analytical Underwriter – Credit & Risk who will assess borrower profiles, evaluate creditworthiness, and support scalable lending decisions within the EV ecosystem.
A critical requirement for this role is strong proficiency in Hindi (spoken, written, and comprehension) to effectively evaluate customer interactions, field inputs, and regional documentation.
Key Responsibilities
Credit Assessment & Underwriting
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Evaluate loan applications for EV battery financing and leasing products
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Analyze customer profiles including income, cash flow, bureau reports, and business stability
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Conduct risk-based decisioning aligned with company policies
Risk Evaluation & Control
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Identify potential credit risks and flag high-risk profiles
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Develop and implement underwriting frameworks for new customer segments
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Maintain portfolio quality by ensuring prudent lending decisions
Documentation & Verification
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Review KYC and financial documents (many cases in Hindi/regional format)
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Coordinate with field teams for validation and discrepancy resolution
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Ensure compliance with internal policies and regulatory requirements
Stakeholder Coordination
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Work closely with sales, operations, and collections teams
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Support faster TAT while maintaining risk discipline
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Provide feedback loops to improve sourcing quality
Data & Reporting
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Maintain underwriting logs and decision records
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Track approval/rejection trends and recommend improvements
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Assist in portfolio monitoring and early risk identification
Mandatory Requirement (Critical)
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Fluency in Hindi (Speak, Read, Write, Understand) – mandatory
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Ability to interpret Hindi documents, customer communication, and field reports
Qualifications & Experience
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Bachelor’s degree in Finance, Commerce, Economics, or related field
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2–5 years of experience in credit underwriting / risk assessment / NBFC / fintech / lending
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Experience in EV financing, vehicle loans, MSME lending, or asset-based lending is preferred
Skills Required
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Strong analytical and decision-making skills
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Understanding of credit bureau reports (CIBIL, Experian, etc.)
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Risk assessment and fraud detection mindset
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Attention to detail and documentation accuracy
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Proficiency in MS Excel / Google Sheets
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Ability to work in a fast-paced, high-growth startup environment
Preferred Profile
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Experience in field-heavy or semi-urban/rural lending models
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Familiarity with North & East India market dynamics
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Prior experience handling Hindi-speaking customer base
Why Join Pointo?
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Be part of India’s fast-growing EV & battery financing ecosystem
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Opportunity to build scalable credit models from the ground up
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High-impact role with strong learning and growth opportunities
