Caprion- Team Lead- Credit Underwriting

Nexthire; Mumbai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Caprion (Liqui Loans) is a Mumbai-based NBFC fintech seeking a Team Lead- Credit Underwriting. You will oversee credit assessment, risk governance, and lead the underwriting team to ensure portfolio quality.

The role requires strategic thinking, leadership, and collaboration across Sales, Operations, and Product to balance growth with risk controls. 8–14 years of relevant experience in NBFCs or fintech is preferred.

Qualifications

• Bachelor’s degree in Finance, MBA/PGDM preferred.
• Minimum 5 years of experience in Credit & Risk within NBFCs, Banks, or Fintech companies.
• Strong exposure to unsecured loan products (Consumer Loans, Personal Loans, Business Loans, etc.).
• Proven experience in managing and developing teams in a fast-paced financial environment.

Responsibilities

• Lead, mentor, and motivate the Credit underwriting team to ensure high performance and accountability.
• Evaluate credit proposals, financials, and borrower risk profiles.
• Analyze credit and risk data to uncover trends and actionable insights.
• Collaborate with Sales, Operations, Product, and other departments for process alignment and faster decision-making.
• Review, formulate, and update credit and risk policies in alignment with regulatory standards.
• Draft and review professional communications such as BRDs, policy notes, proposals, and internal memos.

Skills

Leadership

Team management

Analytical thinking

Decision making

Communication

MS Excel

PowerPoint

Risk assessment

Education

Bachelor’s degree in Finance/Business Administration

MBA/PGDM preferred

Tools

MS Excel

PowerPoint

Risk assessment tools

Job description

• Designation: Team Lead- Credit Underwriting
• Experience Required:- 8 to 14 Yrs
• Location: Mumbai (Marol Andheri)
• Target Industries/Companies: NBFC

About the Company

Caprion (Liqui Loans) is a Peer-to-Peer (P2P) lending fintech company founded in 2018 in Mumbai.
It operates an online platform that connects borrowers and lenders directly, using technology to simplify lending and investing.

What it does:
Matches individuals who need loans with investors who want to earn returns
Uses algorithms and credit checks to distribute risk across multiple borrowers
Provides personal loans, consumer loans, and investment opportunities

Key points:
Registered with RBI as an NBFC - P2P lending platform
Focuses on making borrowing faster and more accessible
Backed by investors like Matrix Partners and others
Works as a digital marketplace, not a traditional bank

About the Role:

We are looking for an experienced and dynamic professional to lead our Credit & Risk function. The ideal candidate will be responsible for overseeing credit assessment, risk analysis, policy adherence, and team management while aligning business growth objectives with robust risk governance. This role requires strategic thinking, leadership acumen, and the ability to collaborate across teams to drive portfolio quality and business scalability.

Key Responsibilities:

Leadership & Team Management

• Lead, mentor, and motivate the Credit underwriting team to ensure high performance and accountability.
• Allocate workloads, set goals, and conduct regular performance reviews to enhance team efficiency.
• Provide guidance and support in complex case assessments and business decisions.
• Handle team escalations and internal conflicts promptly and fairly.
• Foster a positive, collaborative, and growth-oriented work environment.

Credit Assessment & Risk Management

• Evaluate credit proposals, financials, and borrower risk profiles.
• Develop and implement effective credit risk models and assessment frameworks.
• Identify portfolio risks and recommend corrective actions to mitigate exposure.
• Maintain an optimal balance between credit risk and business growth targets.

Data Analysis & Insights

• Analyze credit and risk data to uncover trends and actionable insights.
• Develop and share periodic reports, dashboards, and presentations with senior management.
• Support business strategy through data-driven recommendations and forecasting.

Business-Integrated Approach

• Adopt a business-centric perspective in credit and risk evaluation beyond traditional underwriting.
• Collaborate with Sales, Operations, Product, and other departments for process alignment and faster decision-making.
• Independently assess business needs and provide risk-balanced approvals.

Policy & Process Governance

• Review, formulate, and update credit and risk policies in alignment with regulatory standards.
• Ensure strict policy adherence while maintaining agility for business requirements.
• Continuously identify process gaps and recommend improvements for greater efficiency.

Communication & Documentation

• Draft and review professional communications such as BRDs, policy notes, proposals, and internal memos.
• Present insights and recommendations effectively to leadership and stakeholders.
• Ensure all communication related to credit and risk is precise and compliant.

Preferred Qualifications & Experience:

• Bachelor’s degree in Finance, Business Administration, or related field (MBA/PGDM preferred).
• Minimum 5 years of experience in Credit & Risk within NBFCs, Banks, or Fintech companies.
• Strong exposure to unsecured loan products (Consumer Loans, Personal Loans, Business Loans, etc.).
• Proven experience in managing and developing teams in a fast-paced financial environment.
• Sound understanding of risk mitigation frameworks, credit policy design, and portfolio management.

Key Skills:

• Leadership and team management excellence.
• Strong analytical and decision-making capabilities.
• Effective communication and stakeholder management skills.
• Proficiency in MS Excel, PowerPoint, and risk assessment tools.
• High attention to detail with a problem-solving mindset.