Associate Director- Underwriting (Unsecured Loans)

Michael Page; Gurgaon; On-site; INR 1,000,000 - 2,000,000; Full time

Benefits offered by this job

Opportunity to work in a growing organization

Opportunity to work in a lean team

Job summary

Michael Page is hiring for a finance role in Gurgaon, India. The successful applicant will independently assess unsecured business loan proposals, focusing on startups in early to growth stages. A Chartered Accountant with 7-12 years in underwriting and a solid understanding of financial statements is preferred.

The role involves stakeholder management, process improvement, and team leadership. Excellent communication skills and proficiency in Excel are essential. Attractive package details to be discussed.

Qualifications

• 7-12 years of strong underwriting experience in unsecured business loans or startup/MSME lending.
• Sound understanding of startup financials and digital business models.
• In-depth understanding of financial statements analysis.

Responsibilities

• Independently assess unsecured business loan proposals for early to growth-stage startups.
• Track portfolio behavior to identify early risk indicators.
• Engage with founders and manage internal stakeholders.

Skills

Underwriting experience

Financial analysis

Excel proficiency

Team management

Communication skills

Education

Chartered Accountant (CA) preferred; MBA (Finance)

Tools

AI/ML-driven underwriting tools

Job description

• Opportunity to work in a growing organization
• Opportunity to work in a lean team

About Our Client

Fintech/NBFCs

Job Description

1. Credit Assessment & Underwriting- Independently assess unsecured business loan proposals (₹50L-₹2Cr) for early to growth-stage startups.
2. Deal Structuring & Risk Evaluation- Track portfolio behavior to identify early risk indicators and provide inputs for policy refinement
3. Team Leadership
4. Stakeholder Management
5. Process Improvement & Automation

The Successful Applicant

1. Chartered Accountant (CA) preferred; MBA (Finance)
2. 7-12 years of strong underwriting experience in unsecured business loans or startup/MSME lending
3. Sound understanding of startup financials, digital business models, and early stage traction indicators
4. In-depth understanding of financial statements analysis
5. Excellent communication and presentation skills, with the ability to engage founders and internal stakeholders
6. Strong team management experience
7. Proficient in Excel and familiar with AI/ML-driven underwriting or analytical tools

What's on Offer

To be discussed