Branch Credit Manager

Darwinbox Digital Solutions Pvt. Ltd.; Kurnool; On-site; INR 450,000 - 700,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. is seeking a credit underwriting professional for digital lending operations in India.

The role focuses on evaluating loan applications, performing KYC and fraud checks, and issuing concise credit notes for standard and exception cases while ensuring DOA-compliant decisions. You will ensure proper documentation, coordinate with sales/operations, monitor early performance, and adhere to regulatory and internal audit standards.

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 (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 policy knowledge

Attention to detail

Education

Graduate / Post-Graduate in Finance, Commerce, or related field

Job description

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.

Job Snapshot

Updated Date

29-09-2026

Job ID

Job8028

Location