BCM- Emerging- MPCG

Darwinbox Digital Solutions Pvt. Ltd.; Indore District; On-site; INR 400,000 - 600,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. invites applications for a credit underwriting role focused on digital loan applications. The incumbent evaluates applications, performs KYC and fraud checks, and ensures adherence to policy to enable seamless, paperless disbursements.

Candidates should have 1–3 years in credit appraisal with fintech or digital lending experience, and possess a finance-related degree. The position emphasizes accuracy, stakeholder coordination, and regulatory compliance.

Qualifications

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

Responsibilities

• Evaluate digital loan applications within defined turnaround time 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 skills

Decision making

Policy knowledge

Attention to detail

Education

Finance/Commerce degree

Tools

MIS tools

Digital KYC systems

Job description

Regular

Job Description

Job Purpose

Responsible for evaluating and underwriting loan applications received via digital channels. Focus on quick, accurate decisioning with policy adherence, KYC verification, fraud checks, and coordination with stakeholders to achieve seamless, paperless disbursements.

Key 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 Required

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

Educational Qualifications and Experience

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

Job Snapshot

Updated Date

05-10-2026

Job ID

Job7755

Department

Location