BCM-Affordable

IIFL Home Loans; India; On-site; INR 700,000 - 900,000; Full time

Job summary

IIFL Home Loans is seeking an experienced credit underwriter to evaluate digital loan applications, applying policy rules and KYC checks for quick, paperless disbursements.

You will perform fraud screening, prepare CAMs for exceptions, and coordinate with sales and operations to ensure smooth processing. Prior fintech or digital lending experience is preferred.

Qualifications

• Graduate / Post-Graduate in Finance, Commerce, or related field.
• 1–3 years in credit appraisal/underwriting; fintech lending preferred.

Responsibilities

• Evaluate digital loan applications within defined turnaround time (TAT) using scorecards and policy rules.
• Perform digital KYC, bureau checks, income surrogates, and fraud screening; elevate suspicious cases.
• Prepare concise credit notes/CAMs for non-STP or exception cases; recommend decisions as per DOA.
• Ensure accurate documentation and track post-disbursement document (PDD) closure where applicable.
• Coordinate with sales/operations for clarifications, rework, and smooth disbursement.
• Monitor early vintage performance/FPD for approved cases and provide feedback to improve filters.
• Adhere to underwriting policy, regulatory requirements, and internal audit standards, clear QA observations & PDs of specific cases.

Skills

Analytical skills

Decision making

KYC knowledge

Fraud controls

Education

Graduate degree

Post-Graduate in Finance/Commerce

Job description

Regular

Job Description

Job Purpose:

Responsible for evaluating and underwriting loanapplications received via digital channels. Focus on quick, accuratedecisioning with policy adherence, KYC verification, fraud checks, andcoordination with stakeholders to achieve seamless, paperless disbursements.

Key Responsibilities:

• Evaluate digital loan applications within definedturnaround time (TAT) using scorecards and policy rules.
• Perform digital KYC, bureau checks, income surrogates,and fraud screening; elevate suspicious cases.
• Prepare concise credit notes/CAMs for non-STP orexception cases; recommend decisions as per DOA.
• Ensure accurate documentation and track post ‑ disbursement document (PDD)closure where applicable.
• Coordinate with sales/operations for clarifications,rework, and smooth disbursement.
• Monitor early vintage performance/FPD for approvedcases and provide feedback to improve filters.
• Adhere to underwriting policy, regulatoryrequirements, and internal audit standards, clear QA observations & PDs ofspecific cases.

Skills Required:

• Strong analytical and decision-making skills.
• Knowledge of retail lending credit policies andscorecards.
• Proficiency in digital KYC, fraud control, and MIStools.
• Attention to detail and compliance orientation.

Educational Qualifications and Experience:

• Graduate / Post-Graduate in Finance, Commerce, orrelated field.
• 1–3 years in credit appraisal/underwriting; experiencein digital/fintech lending preferred.

Job Snapshot

Updated Date

12-10-2026

Job ID

Job8130