Analyst - Credit Underwriting

bluCognition; Pune District; On-site; INR 600,000 - 900,000; Full time

Job summary

bluCognition is seeking a Credit Underwriting & Operations Analyst to join the Risk team in Pune. You will perform manual analysis of new customers with a focus on high-level financial assessment and data reconciliation under supervision.

You will make underwriting decisions across B2B products, follow standard procedures, process daily applications, and drive KPIs while ensuring adherence to risk policies. Collaboration with sales ensures timely document collection.

Qualifications

• 1–2 years of experience in credit risk for SMB/MM lending.
• Strong financial statement analysis skills.
• Experience with credit risk underwriting and commercial products.
• Experience in digital/mobile-based credit decisioning preferred.
• Ability to manage multiple tasks with attention to detail.
• Willingness to work flexible PST shifts.

Responsibilities

• Perform customer-level credit underwriting decisions across multiple B2B products (corporate spend cards, EOR, COR, payroll, PEO).
• Follow standard operating procedures and use internal credit tooling to meet minimum approval criteria.
• Process daily applications and decide approvals/declines/follow-ups per procedures.
• Drive performance against KPIs and ensure policy adherence across products.
• Collaborate with internal sales to verify required documents for timely approvals.

Skills

Credit risk

Financial statement analysis

Decisioning

Underwriting

Data reconciliation

Multi-tasking

Attention to detail

Education

MBA/Finance

Bachelor's degree in Commerce

Job description

As a Credit Underwriting & Operations Analyst, you will be working within the Risk team to assist in the day-to-day manual analysis of new customers on the platform. You should be comfortable with high level financial analysis and data reconciliation in a fast-paced environment with supervision from senior risk members.

• Perform customer-level credit underwriting decisions across multiple B2B products, which include corporate spend cards, EOR, COR, payroll, and PEO, ensuring adherence to established credit policies, procedures, and risk frameworks reviews using both external and proprietary data sources.
• Utilize and follow a defined set of standard operating procedures alongside Rippling’s internal credit tooling and systems to ensure minimum approval criteria is met for an evaluation.
• Action daily applications pended into the assigned queues. Review the information elements on these cases thoroughly and decide them from approval/decline/follow-up perspective as per procedures.
• Drive improved performance against established KPIs to achieve functional objectives and ensure effective implementation of the client’s risk policies and procedures across all relevant products.
• Collaborate with the internal sales team to verify if any outstanding documents or information are required from the customer to facilitate approval, ensuring a seamless and efficient process.

Requirements:

• Minimum 1-2 years of experience in credit risk, preferably in SMB/MM commercial lending, including decisioning of new credit product applications.
• Strong expertise in financial statement analysis, including interpretation of financial and bank statements.
• Solid understanding of credit risk underwriting and commercial credit products.
• Experience in credit risk operations and application decisioning within digital/mobile-based environments is highly preferred.
• Ability to manage multiple tasks, prioritize effectively, and work with strong attention to detail in a dynamic environment.
• Demonstrated decision-making ability with high accuracy and confidence.
• Willingness to work in flexible shifts, including PST hours.

Educational Qualifications

• Masters in Finance or Masters in Business Administration is highly desirable. Bachelor’s degree in Commerce, Finance, Accounting, or a related field.