BCM- Bulandshahr

Darwinbox Digital Solutions Pvt. Ltd.; Bulandshahr; On-site; INR 450,000 - 700,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. is seeking a Credit Underwriter to evaluate digital loan applications and ensure fast, accurate decisions with strict policy adherence.

You will perform KYC, desk checks, fraud screening, and coordinate with sales and operations for seamless disbursements, while monitoring early performance and ensuring audit-ready documentation. The role requires 1–3 years in credit underwriting, familiarity with scorecards, and a finance or commerce background.

Qualifications

• Graduate / Post-Graduate in Finance, Commerce, or related field.
• 1–3 years in credit appraisal/underwriting; experience in digital/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; escalate 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 thinking

Decision making

Retail lending policies

Scorecards

Digital KYC

Fraud controls

Compliance

Education

Finance or Commerce degree

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; **escalate 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

25-09-2026

Job ID

Job8000

Department

Location