Position Summary
We are seeking a highly skilled Senior Credit Underwriter to lead credit evaluation for anchor buyers and MSME borrowers across invoice financing and revenue-based financing (RBF) products. The role involves conducting in-depth financial analysis, assessing borrower risk, and ensuring sound credit decisions aligned with organizational policies.
Reporting To
Head – Credit
Key Responsibilities
· Conduct detailed financial analysis of SME borrowers.
·Assess GST filings, bank statements, and cash flow positions.
·Evaluate anchor buyer risk profiles and recommend exposure limits.
·Propose appropriate pricing structures based on risk assessment.
· Prepare comprehensive Credit Appraisal Notes (CAN) for review.
· Present cases to the Credit Committee for approval.
· Approve credit proposals within delegated authority limits as per board policy.
Decision Authority
- Approve credit exposure up to delegated limits defined by internal board policy
KPIs
· Turnaround time (TAT) for credit approvals.
· Portfolio performance of booked cases.
· Quality and accuracy of credit memos prepared.
Experience
· 5–7 years of experience in SME credit underwriting.
· Strong expertise in balance sheet and cash-flow analysis.
· Proven ability to evaluate financial risks and recommend sound credit decisions.
Pay: ₹900,000.00 - ₹1,800,000.00 per year
Benefits:
Work Location: In person
