Credit Head

Unifin Experts Llp; New Delhi; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

Unifin Experts Llp in New Delhi seeks a Credit Head to lead underwriting, risk management, and policy development to drive responsible growth of the lending portfolio.

The role requires building scorecards, evaluating borrower profiles, and monitoring portfolio performance while ensuring adherence to applicable regulations. Collaboration with Sales, Operations, and Collections is essential for success.

Qualifications

• 3–5 years of experience in credit underwriting, risk management or lending.
• Experience in fintech, NBFC or digital lending preferred.
• Strong understanding of credit assessment and loan underwriting.
• Knowledge of CIBIL, bank statement analysis and FOIR.
• Strong analytical skills and proficiency in Excel/Google Sheets.
• Experience in managing credit teams and developing credit policies.
• Ability to make data-driven lending decisions.

Responsibilities

• Lead end-to-end credit underwriting and sanction process.
• Develop and implement credit policies and risk frameworks.
• Evaluate borrower profiles using CIBIL, salary, bank statements, and repayment capacity.
• Define and monitor lending parameters like FOIR, eligibility, and ticket size.
• Monitor portfolio performance, delinquency, defaults and losses.
• Develop credit scorecards and borrower risk segmentation.
• Coordinate with Sales, Operations, and Collections teams.
• Prepare regular credit reports and portfolio analyses.
• Ensure adherence to internal policies and regulatory requirements.

Skills

Credit underwriting

Risk management

Data analysis

CIBIL knowledge

FOIR understanding

Financial statement analysis

Team management

Tools

Excel

Google Sheets

Job description

About the Role

We are looking for a Credit Head to lead the credit and underwriting function, manage lending risk, and ensure responsible portfolio growth through effective credit policies and decision-making.

Key Responsibilities

• Lead the end-to-end credit underwriting and sanction process.
• Develop and implement credit policies, eligibility criteria and risk assessment frameworks.
• Evaluate borrower profiles based on CIBIL, salary, bank statements, employment and repayment capacity.
• Define and monitor lending parameters such as FOIR, loan eligibility and ticket size.
• Monitor portfolio performance, delinquency, defaults and credit losses.
• Analyse repayment behaviour across fresh and repeat customers.
• Develop credit scorecards and borrower risk segmentation.
• Identify early warning signals and potential fraud patterns.
• Review and improve underwriting processes to balance growth and risk.
• Coordinate with Sales, Operations and Collections teams.
• Prepare regular credit performance reports and portfolio analysis.
• Ensure adherence to internal policies and applicable regulatory requirements.

Requirements

• 3-5 years of experience in credit underwriting, risk management or lending.
• Experience in fintech, NBFC or digital lending preferred.
• Strong understanding of credit assessment and loan underwriting.
• Knowledge of CIBIL, bank statement analysis and FOIR.
• Strong analytical skills and proficiency in Excel/Google Sheets.
• Experience in managing credit teams and developing credit policies.
• Ability to make data-driven lending decisions.