Credit Analyst and Underwriter

LoanDidi™; Raipur; On-site; INR 420,000 - 700,000; Full time

Job summary

LoanDidi™ is hiring a Credit Analyst and Underwriter in Raipur to assess loan applications, analyze income, and make underwriting decisions. You will work with operations, risk, and tech teams to refine credit policies and support AI-led underwriting models while managing portfolio quality and risk controls.

The role requires strong analytical skills, familiarity with credit data, and effective communication to document decisions and collaborate cross-functionally in a fast-paced lending

Qualifications

• Strong analytical and quantitative skills for financial statement analysis and cash flow assessment.
• Experience in credit underwriting, preferably in retail lending or microfinance.
• Familiarity with credit bureau data, bank statement analysis tools, and digital lending processes.

Responsibilities

• Assess loan applications and analyze bank statements, income documents, and credit bureau reports.
• Underwrite and document rationale for approval or rejection within defined policies.
• Collaborate with operations, risk, and technology to refine credit policies and AI-led underwriting models.
• Monitor loan performance and identify early warning signals to maintain portfolio quality.

Skills

Analytical skills

Credit underwriting experience

Credit bureau data familiarity

KYC/AML knowledge

Data-driven decision systems

Communication skills

Attention to detail

Education

Bachelor's degree in finance/economics/business/accounting

Postgraduate qualification or professional certification in credit/risk management

Tools

MS Excel

Analytics tools

Job description

Company Description LoanDidi™, built by 36 Forts Capital Private Limited, is a digital lending platform focused on providing small-ticket, short-term credit to underserved individuals across India. The company addresses a critical gap in the lending ecosystem by enabling access to emergency loans from ₹5,000 to ₹2,00,000 for first-time borrowers and those with limited credit histories. Operating as a Digital Lending Agent (DLA), LoanDidi™ partners with NBFCs and uses a fully digital, data-driven infrastructure to originate and service loans. Its AI-led underwriting, risk segmentation, and digital-first collections help deliver faster, more accurate credit decisions and lower NPAs. The long-term vision is to build a high-quality, scalable loan book and contribute to the next layer of India’s credit infrastructure.

Role Description This is a full-time, on-site Credit Analyst and Underwriter role based in Raipur. The role includes assessing loan applications, analyzing bank statements, income documents, and credit bureau reports, and making timely underwriting decisions within defined policies and risk frameworks. The individual will evaluate borrower profiles using both traditional and alternative data, recommend appropriate loan amounts and terms, and document rationale for approval or rejection. The role involves collaborating with operations, risk, and technology teams to refine credit policies, support AI-led underwriting models, and improve portfolio quality. The Credit Analyst and Underwriter will also monitor loan performance, identify early warning signals, and suggest corrective measures to maintain a healthy and compliant loan book.

Qualifications

• Strong analytical and quantitative skills, including financial statement analysis, cash flow assessment, and risk evaluation.
• Experience in credit underwriting, preferably in retail lending, microfinance, or small-ticket unsecured loans.
• Familiarity with credit bureau data, bank statement analysis tools, and digital lending processes.
• Knowledge of lending regulations, KYC/AML norms, and compliance requirements in the Indian financial services sector.
• Ability to work with data-driven decision systems and openness to AI-led and algorithmic underwriting models.
• Effective written and verbal communication skills for documenting credit decisions and collaborating with cross-functional teams.
• Detail-oriented, organized, and able to manage high volumes of applications while maintaining accuracy and turnaround time.
• Bachelor's degree in finance, economics, business, accounting, or a related field; postgraduate qualification or professional certification in credit or risk management is an advantage.
• Prior experience in NBFCs, banks, or fintech lending organizations is highly desirable.
• Comfort with MS Excel and basic analytics tools; exposure to lending or risk platforms is a plus.