BCM-Faridkot

Darwinbox Digital Solutions Pvt. Ltd.; Faridkot; On-site; INR 420,000 - 640,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. in Faridkot, Punjab, seeks a Credit Underwriter to evaluate digital loan applications with fast, accurate decisioning, policy adherence, KYC, and fraud checks.

You will use scorecards and rules to approve or decline, prepare concise credit notes for exceptions, coordinate with sales and operations, and ensure seamless, paperless disbursements with strict regulatory compliance.

Qualifications

• Bachelor's or Master's in Finance, Commerce, or a related field.
• Experience in credit appraisal or underwriting; fintech lending preferred.
• Familiarity with retail lending policies and scorecards.
• Proficient in digital KYC and fraud controls.
• Strong attention to detail and regulatory compliance.

Responsibilities

• Evaluate digital loan applications within defined 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 DOA decisions.
• Ensure accurate documentation and track post-disbursement document (PDD) closure.
• 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

Retail lending policies

KYC & fraud control

Attention to detail

Education

Graduate / Post-Graduate in Finance or Commerce

Tools

MIS tools

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; escalation 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.