CPA - Emerging

Darwinbox Digital Solutions Pvt. Ltd.; Indore District; On-site; INR 400,000 - 600,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. in Indore is seeking a Credit Underwriter to evaluate digital loan applications and enforce policy rules with speed and accuracy.

The role involves performing digital KYC, bureau checks, income surrogates, and fraud screening, preparing concise notes, and coordinating with sales/ops to ensure smooth disbursement while adhering to DOA and regulatory standards. You will monitor early vintage performance, provide feedback to improve filters, and support

Qualifications

• Graduate/Post-Graduate in Finance, Commerce, or related field.
• 1–3 years in credit appraisal/underwriting; experience in digital/fintech lending preferred.
• Knowledge of retail lending credit policies and scorecards.

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 thinking

Decision making

Credit policy knowledge

KYC & fraud control

Attention to detail

Education

Bachelor/Master in Finance 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.