AVP - Underwriting

Epimoney; Mumbai; Sur place; INR 3 500 000 - 7 500 000; Plein temps

Résumé du poste

Epimoney is seeking a senior leader for Credit Underwriting Governance with 10+ years of NBFC/Fintech experience. You will own credit policy, governance, and end-to-end underwriting workflows.

The role requires policy design expertise, risk mitigation strategy, and cross-functional collaboration with Risk, Compliance, Audit, and Tech teams. You will lead a team of underwriters, drive automation, and ensure RBI/NBFC compliance.

Qualifications

• CA or MBA preferred.
• Minimum 10+ years of experience in NBFC/Fintech/Banking with focus on Credit Underwriting.
• Prior experience in policy design, underwriting governance, or risk management is essential.
• Team management experience required.

Responsabilités

• Own end-to-end credit underwriting policy and governance across lending products, setting direction in line with business strategy and risk appetite.
• Drive periodic policy reviews and recalibration based on portfolio performance, market dynamics, and emerging risk trends, presenting recommendations to senior leadership.
• Act as the final point of accountability for ensuring underwriting decisions align with regulatory guidelines and internal governance standards.
• Architect and reengineer underwriting workflows to support efficiency and scale as the portfolio grows.
• Set SOPs, checklists, and process documentation for consistent adoption across teams.
• Partner with technology and product leadership to drive automation and system enhancements in underwriting.
• Identify emerging underwriting risks across products, channels, and customer segments before they materialize.
• Design and champion risk mitigation strategies and early-warning mechanisms.
• Build and strengthen control mechanisms to minimize fraud and credit losses.
• Lead periodic risk assessments and portfolio health reviews, owning the narrative on portfolio quality.
• Design stress testing and scenario analysis to evaluate portfolio resilience.
• Convert findings into policy or process changes and brief senior leadership on risk shifts.
• Serve as the senior contact for auditors on underwriting audits and reviews.
• Ensure timely closure of audit observations and strengthen control frameworks.
• Ensure full RBI/NBFC regulatory compliance and governance in underwriting.
• Set capability-building agenda for underwriting, mentoring a high-performing team.
• Own performance management and succession planning for the underwriting team.
• Leverage data analytics to monitor credit performance and portfolio quality at a strategic level.
• Own dashboards and MIS reporting for underwriting and risk metrics.

Connaissances

Credit underwriting

Policy design

Underwriting governance

Risk management

Team leadership

Regulatory compliance

Formation

CA

MBA

Outils

None

Description du poste

• CA or MBA preferred
• Minimum 10+ years of experience in NBFC/Fintech/Banking industry with a focus on Credit Underwriting
• Prior experience in policy design, underwriting governance, or risk management is essential
• Team management experience requiredRole & responsibilities

Policy & Underwriting Governance

• Own end-to-end credit underwriting policy and governance across lending products, setting direction in line with business strategy and risk appetite
• Drive periodic policy reviews and recalibration based on portfolio performance, market dynamics, and emerging risk trends, presenting recommendations to senior leadership
• Act as the final point of accountability for ensuring underwriting decisions remain consistent with regulatory guidelines and internal governance standards

Process Design & Optimization

• Architect and continuously reengineer end-to-end underwriting workflows to support efficiency, accuracy, and scale as the portfolio grows
• Set the standard for SOPs, checklists, and process documentation, ensuring consistent adoption across teams
• Partner closely with technology and product leadership to prioritize and drive automation and system enhancements in underwriting

Risk Identification & Mitigation

• Proactively identify emerging underwriting risks across products, channels, and customer segments before they materialize at scale
• Design and champion risk mitigation strategies and early-warning mechanisms across the underwriting lifecycle
• Build and continuously strengthen control mechanisms to minimize fraud incidents and credit losses

Portfolio Risk Assessment & Stress Analysis

• Lead periodic risk assessments and portfolio health reviews across products and vintages, owning the narrative on portfolio quality
• Design and run stress testing and scenario analysis to evaluate portfolio resilience under adverse conditions
• Convert assessment findings into concrete policy or process changes, and brief senior leadership on key risk shifts

Audit & Compliance

• Serve as the senior point of contact for internal and external auditors on all underwriting-related audits and reviews
• Own timely closure of audit observations and drive continuous strengthening of control frameworks
• Ensure full compliance with RBI/NBFC regulatory requirements and internal governance norms across the underwriting function

Training & Capability Building

• Set the capability-building agenda for the underwriting function, designing and facilitating training programs at scale
• Build, lead, and mentor a high-performing team of underwriters, setting the bar for performance and quality standards
• Own goal-setting, performance management, and succession planning for the underwriting team

Data Analytics & Reporting

• Leverage data analytics to monitor credit performance, delinquency trends, and portfolio quality at a strategic level
• Own the dashboards and MIS reporting suite that tracks key underwriting and risk metrics for the organization
• Present risk insights, trends, and strategic recommendations directly to senior leadership and key

Preferred candidate profile

• Strong analytical mindset with the ability to translate portfolio data into actionable risk insights
• Deep understanding of credit risk, fraud patterns, and control design in a lending environment
• Proven experience building or refining underwriting policies at scale
• Comfortable working cross-functionally with Risk, Compliance, Audit, and Business teams
• Demonstrated people leadership has managed or mentored a team previously
• Detail-oriented, process-driven, and comfortable operating in a fast-paced NBFC/fintech setting