Website:
astrafin.org
Job details:
AI Product Manager – Credit Underwriting
Location: Bangalore
Company: Astrafin
Role Overview
Astrafin is building intelligent underwriting infrastructure for asset leasing and embedded credit products.
We are looking for an AI Product Manager – Credit Underwriting who will design and build automated underwriting systems and AI Agents that combine financial data, alternative signals, and machine learning to improve credit decisioning.
This role sits at the intersection of credit risk, product design, and AI systems. The candidate will work closely with credit, engineering, and data teams to translate underwriting logic into scalable AI-powered decision engines.
The objective is to build underwriting products that are faster, more accurate, and scalable across lending partners and enterprise programs.
Key Responsibilities
Build AI-driven underwriting systems
- Own the product roadmap for AI-powered underwriting and risk decisioning.
- Translate credit policy and underwriting frameworks into data-driven automated workflows and underwriting agents.
- Design decision engines that combine structured financial data with alternative data sources.
Credit Risk Strategy Integration
- Work closely with credit teams to refine approval logic, thresholds, and exception frameworks.
- Balance risk appetite, approval rates, and portfolio quality.
Underwriting Automation
- Build systems to automate:
- financial statement analysis
- bank statement analysis
- GST / tax data interpretation
- entity risk profiling
- asset valuation inputs
Workflow & Platform Design
- Design internal underwriting dashboards and decisioning platforms used by credit teams.
- Build rule engines and hybrid AI + rule-based decision frameworks.
Performance & Portfolio Monitoring
- Define KPIs such as:
- approval rates
- loss ratios
- underwriting turnaround time
- model precision and recall
- Continuously improve underwriting models using portfolio performance data.
Required Qualifications
- 4–8 years of experience in product management, fintech, or credit analytics
- Experience working with credit underwriting systems, lending platforms, or risk models
- Strong understanding of:
- financial statements
- credit risk assessment
- lending workflows
- Familiarity with AI / ML product development
- Experience working with data teams using tools such as Python, SQL, or ML platforms
- Ability to translate business logic into product requirements and technical workflows
Preferred Background
Candidates with experience in one or more of the following will be preferred:
- Fintech lending platforms
- NBFC or banking credit risk teams
- AI-driven underwriting or decisioning products
- Alternative data credit models
- Embedded finance or B2B lending
What Success Looks Like in This Role
Within the first 12–18 months, this role is expected to:
- Launch Astrafin’s AI-powered underwriting engine
- Reduce underwriting turnaround time significantly
- Improve approval quality through better risk prediction
- Build scalable underwriting infrastructure supporting Astrafin’s credit programs
Click on Apply to know more.