Central Credit - Associate

Darwinbox Digital Solutions Pvt. Ltd.; Gurgaon; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. in Gurgaon, Haryana, India, is seeking a Branch Credit Manager/Senior Officer to DM to evaluate and underwrite loan applications via digital channels.

The role emphasizes quick, accurate decisioning with policy adherence, KYC verification, fraud checks, and coordination with stakeholders for paperless disbursements. The candidate should have 1–3 years in credit appraisal/underwriting, preferably in digital/fintech lending, and a finance-related

Qualifications

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

Responsibilities

• Evaluate digital loan applications within defined turnaround time using scorecards and policy rules.
• Perform digital KYC, bureau checks, income surrogates, and fraud screening; escalate suspicious cases.
• Prepare concise credit notes/CAMs for non-STP or exception cases; recommend decisions per DOA.
• Coordinate with sales/operations for clarifications, rework, and smooth disbursement.
• Monitor early vintage performance/FPD for approved cases and provide feedback to improve filters.

Skills

Analytical decision making

Retail lending policies

Digital KYC

Compliance orientation

Education

Graduate/Post-Graduate in Finance or Commerce

Tools

MIS tools

Job description

BM946=GURGAON-UDYOG VIHAR, Gurgaon, Haryana, India

Regular

Job Description

BranchCredit Manager

SeniorOfficer to DM

Credit

Job Purpose

Responsiblefor evaluating and underwriting loan applications received viadigital channels. Focus on quick, accurate decisioning with policyadherence, KYC verification, fraud checks, and coordination withstakeholders to achieve seamless, paperless disbursements.

Key Responsibilities

• Evaluatedigital loan applications within defined turnaround time (TAT) usingscorecards and policy rules.
• Performdigital KYC, bureau checks, income surrogates, and fraud screening;escalate suspicious cases.
• Prepareconcise credit notes/CAMs for non-STP or exception cases; recommenddecisions as per DOA.
• Ensureaccurate documentation and track post ‑ disbursementsdocument (PDD) closure where applicable.
• Coordinatewith sales/operations for clarifications, rework, and smoothdisbursement.
• Monitorearly vintage performance/FPD for approved cases and providefeedback to improve filters.
• Adhereto underwriting policy, regulatory requirements, and internal auditstandards, clear QA observations & PDs of specific cases.

Skills Required

• Stronganalytical and decision-making skills.
• Knowledgeof retail lending credit policies and scorecards.
• Proficiencyin digital KYC, fraud control, and MIS tools.
• Attentionto detail and compliance orientation.

Educational Qualifications and Experience

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

1–3years in credit appraisal/underwriting; experience indigital/fintech lending preferred.

Job Snapshot

Updated Date

22-09-2026

Job ID

Job7863

Department

Location

Location BM946=GURGAON-UDYOG VIHAR, Gurgaon, Haryana, India