Branch Credit Manager

Darwinbox Digital Solutions Pvt. Ltd.; Kakinada; On-site; INR 600,000 - 900,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. in Kakinada, Andhra Pradesh, India is seeking a credit underwriting professional to evaluate digital loan applications within defined turnaround times and ensure compliant processing across the disbursement cycle.

The role focuses on digital KYC, bureau checks, and fraud screening, with responsibilities to prepare concise credit notes for exceptional cases, adhere to policy guidelines, and coordinate with sales and operations to smooth disbursement.

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 and fraud screening is a plus.

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; elevate 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

Credit policies

KYC & fraud control

MI tools

Attention to detail

Retail lending

Education

Graduate in Finance/Commerce

Postgraduate in Finance/Commerce

Tools

Scorecards

KYC platforms

Fraud control tools

Regulatory tools

Job description

BM8959=KAKINADA-HTP, Kakinada, Andhra Pradesh, India

Regular

Job Description

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; elevate 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.