Branch Credit Manager

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

Job summary

Darwinbox Digital Solutions Pvt. Ltd. is seeking a credit underwriting professional to evaluate digital loan applications with a focus on speed, accuracy, and policy compliance. You will perform KYC, bureau checks, and fraud screening while coordinating with sales and operations to ensure seamless disbursement.

The role requires 1-3 years in credit appraisal, a finance or commerce background, and strong analytical skills to adhere to DOA and regulatory standards.

Qualifications

• Graduate or postgraduate in Finance, Commerce, or related field.
• 1–3 years of credit appraisal/underwriting; fintech lending preferred.
• Experience with digital lending processes and policy compliance.

Responsibilities

• Evaluate digital loan applications within defined TAT using scorecards and policy rules.
• Perform digital KYC, bureau checks, income surrogates, and fraud screening; upscale suspicious cases.
• Prepare concise credit notes/CAMs for non-STP or exception cases; recommend DOA decisions.
• 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 improve filters.
• Adhere to underwriting policy, regulatory requirements and internal audit standards.

Skills

Analytical thinking

Decision making

KYC & compliance

Fraud awareness

Education

Graduate/PG in Finance or Commerce

Tools

MIS tools

Job description

Job Purpose:

Responsiblefor evaluating and underwriting loan applications received via digitalchannels. Focus on quick, accurate decisioning with policy adherence, KYCverification, fraud checks, and coordination with stakeholders to achieveseamless, 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; upscale 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 analyticaland decision-making skills.
• Knowledge ofretail lending credit policies and scorecards.
• Proficiency indigital KYC, fraud control, and MIS tools.
• Attention todetail and compliance orientation.

Educational Qualifications and Experience:

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