ProsParity
Website:
prosparity.in
Job details:
About the Role
We are looking for a detail-oriented Credit Underwriter to join our vehicle lending team. You will assess and decision loan applications for two-wheeler (2W) and three-wheeler (3W) financing, ensuring sound credit decisions while maintaining fast turnaround times. This role is critical in balancing portfolio growth with effective risk management.
Key Responsibilities
• Evaluate loan applications by analysing customers’ bureau scores, residence/house conditions, income documents, and other submitted paperwork to determine creditworthiness.
• Approve or decline cases in accordance with the company’s credit policies for both 2W and 3W loan products, ensuring consistent and fair decisioning.
• Identify potential fraudulent activity in loan documentation and flag high-risk applications for further review or escalation.
• Collaborate with the operations team and relationship managers to facilitate quick turnaround times and structure complex or borderline deals.
• Ensure all underwriting and lending activities comply with internal company regulations as well as RBI guidelines and applicable regulatory norms.
Must-Have Qualifications
• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• Proven experience in credit analysis, underwriting, or banking.
• Proficiency with financial analysis software, spreadsheet tools (e.g., MS Excel), and credit scoring models.
• Solid understanding of lending regulations, compliance requirements, and credit risk management practices.
Good to Have
• Prior exposure specifically to 2W/3W or retail vehicle loan portfolios.
• Familiarity with digital lending platforms.
• Strong analytical judgement with the ability to make quick, well-reasoned credit decisions under volume pressure.
• Excellent communication skills to liaise with internal stakeholders and external partners.
Click on Apply to know more.