Branch Credit Manager

Darwinbox Digital Solutions Pvt. Ltd.; Puducherry; On-site; INR 420,000 - 650,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd.

in Puducherry seeks a credit underwriting professional to evaluate and underwrite loan applications from digital channels, focusing on quick, accurate decisions, policy adherence, KYC, fraud checks, and seamless, paperless disbursements. Duties include digital KYC, bureau checks, income surrogates; prepare concise notes, coordinate with sales and operations, and monitor early performance to improve filters.

Qualifications

• Graduate or postgraduate in finance, commerce, or related field.
• 1–3 years in credit appraisal/underwriting; fintech lending experience preferred.
• Familiarity with policy rules and KYC procedures is desirable.

Responsibilities

• Evaluate digital loan applications within defined turn‑around time (TAT).
• Perform digital KYC, bureau checks, income surrogates, and fraud screening.
• Prepare concise credit notes for non‑STP or exceptional cases and recommend decisions.
• Ensure documentation and track post‑disbursement closure where applicable.
• Coordinate with sales/operations for clarifications and smoother disbursement.
• Monitor early vintage performance and provide feedback to improve filters.
• Adhere to underwriting policy, regulatory requirements, and QA standards.

Skills

Analytical skills

Policy knowledge

KYC & fraud controls

Attention to detail

Education

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

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; 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 analyticaland decision-making skills.
• Knowledgeofretail 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.

Job Snapshot

Updated Date

28-09-2026

Job ID

Job8020

Department

Location