Website:
quadcentrix.com
Job details:
About Us.
We are a fast growing technology startup specializing in enterprise application development, catering to State Governments, Ministries, and leading Banks and Financial Institutions. Our core strength lies in harnessing cutting edge technologies like Artificial Intelligence and Blockchain to build impactful solutions.
Role Overview
We're looking for a Credit Analyst with strong functional expertise in credit underwriting to work closely with our product development team. This is not a traditional underwriting desk role you'll act as the functional/domain expert embedded with engineers, product managers, and business analysts to help design, validate, and refine a credit underwriting product. Your job is to translate real-world underwriting practices, policies, and edge cases into product requirements and logic the team can build.
Key Responsibilities
- Act as the subject matter expert (SME) on credit underwriting for the product development team, bridging the gap between business/functional needs and technical implementation
- Define and document underwriting workflows, credit assessment criteria, scoring logic, and decisioning rules to be built into the product
- Review credit policies, RBI/regulatory guidelines, and industry underwriting standards, and translate them into functional specifications
- Work with product managers and business analysts to create user stories, process flows, and business requirement documents (BRDs) related to underwriting
- Validate system outputs, test underwriting logic/rules engines, and identify gaps or inconsistencies versus real-world lending practice
- Support UAT (User Acceptance Testing) by designing test cases based on real credit scenarios (income assessment, risk scoring, collateral evaluation, financial ratio analysis, etc.)
- Provide inputs on credit risk parameters financial statement analysis, cash flow assessment, credit bureau data (CIBIL/Experian/Equifax), ratio analysis, banking behavior, etc.
- Stay updated on lending products (secured/unsecured loans, working capital, term loans, etc.) to ensure the product supports varied underwriting scenarios
- Train and support internal teams (engineering, QA, support) on underwriting concepts as needed
Required Skills and Qualifications
- 7–8 years of experience in credit underwriting/credit analysis, preferably across retail, SME, or corporate lending
- Strong functional knowledge of underwriting processes income assessment, credit bureau analysis, ratio analysis, risk scoring, and credit policy frameworks
- Hands-on experience with loan origination systems (LOS), loan management systems (LMS), or credit underwriting platforms
- Experience writing BRDs/FSDs or working closely with product/tech teams (prior exposure to Agile/Scrum environments preferred)
- Good understanding of regulatory and compliance requirements in lending (RBI guidelines, KYC/AML basics, etc.)
- Strong analytical skills with the ability to translate business logic into structured, testable requirements
- Excellent communication skills ability to explain credit concepts to a non-credit (technical) audience
- Bachelor's degree in Finance, Commerce, Economics, or related field; MBA/CA/CFA preferred but not mandatory
Good to have
- Prior experience working in a fintech, NBFC, or bank's digital lending/product team
- Exposure to credit scoring models, rule engines, or decisioning platforms
- Basic understanding of SQL or data analysis tools (for validating logic/data, not development)
What Quadcentrix has to offer
We are in a rapidly evolving space so your role will not be immutable over time. You should expect that your role at Quadcentrix will evolve as the company grows in the years to come. This will provide you the opportunity to grow and to have a direct impact on shaping the nature of your contribution to the company. We do not fit in a box as there is no box today and we don't expect you to either.
- We trust you to execute your project deliverables and don't believe in micromanagement.
- We care about you and so we are going to be focused on making things better for you!
- We also believe in your potential, so we'll always focus on your learning, training, and development if it fits your goals!
Click on Apply to know more.
