BCM-Varanasi

Darwinbox Digital Solutions Pvt. Ltd.; Varanasi; On-site; INR 500,000 - 800,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. is seeking a credit underwriter to evaluate digital loan applications, perform KYC, fraud checks, and compliance checks.

The role focuses on quick, accurate decisioning with policy adherence and seamless, paperless disbursements in a fintech lending setup. The candidate should have 1–3 years of experience in credit appraisal/underwriting, preferably in digital lending, with a graduate or postgraduate degree in Finance or Commerce.

Qualifications

• Graduate or postgraduate in Finance, Commerce, or related field.
• 1–3 years in credit appraisal/underwriting, preferably in digital/fintech lending.
• Experience with digital KYC, scorecards, and policy rules.

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 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 control

Attention to detail

Compliance

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; escalated 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

06-08-2026

Job ID

Job7514

Department

Home Loans

Location