Credit Manager

propelld; Bengaluru; On-site; INR 1,000,000 - 2,000,000; Full time

Job summary

A leading Fintech company in India is seeking an experienced Credit Underwriter to evaluate loan applications across multiple products including education loans and retail lending. The ideal candidate will have over 4 years of experience in credit underwriting with strong skills in financial analysis and risk management. This position requires excellent communication and negotiation skills to ensure adherence to internal policies and regulatory guidelines, aiming to maintain portfolio quality while supporting business growth.

Qualifications

• 4+ years of experience in credit underwriting in Fintech/NBFCs.
• Strong decision-making ability with experience in approval authority levels.
• Excellent communication and negotiation skills.

Responsibilities

• Underwrite loan applications across multiple products.
• Assess loan requests by analyzing financial statements.
• Evaluate applicant creditworthiness and recommend credit limits.

Skills

Credit underwriting in Fintech/NBFCs

Evaluating financial statements

Ratio analysis

Risk assessment methodologies

Communication skills

Negotiation skills

Tools

Credit automation tools

Underwriting platforms

Digital lending practices

Job description

Experience: 4+ Years

About the Role:

We are seeking an experienced Credit Underwriter with strong expertise in education loans, retail lending, unsecured credit, secured credit within the Fintech and NBFC space. The candidate should have hands‑on experience in underwriting, evaluating financials, managing risk, and working with diverse stakeholders to maintain portfolio quality.

Key Responsibilities:

• Underwrite loan applications across multiple products (Education Loans, Retail Loans, Business Loans, Consumer Loans).
• Assess loan requests by analyzing financial statements, ratios, repayment capacity, FOIR, and bureau reports (CIBIL/Experian/CRIF).
• Handle ticket sizes ranging from [20 Lakh – ₹50 Lakhs] with defined approval authority limits.
• Evaluate applicant creditworthiness and recommend credit limits, terms, and repayment structures.
• Ensure adherence to internal credit policies, RBI guidelines, and regulatory norms (KYC, PMLA, etc.).
• Collaborate with sales, risk, and operations teams to balance business growth and portfolio quality.
• Clearly communicate credit decisions and policies to clients and internal stakeholders.
• Utilize strong negotiation skills to resolve disputes and align with cross‑functional teams.
• Continuously monitor portfolio performance and provide recommendations for policy/process improvements.

Requirements:

• 4+ years of experience in credit underwriting in Fintech/NBFCs.
• Exposure to underwriting in organizations like Varthana, Navient, Auxilo, Splash Financial, Eduvanz, and Banks (or similar).
• Proficiency in evaluating financial statements, ratio analysis, and risk assessment methodologies.
• Strong decision‑making ability with experience in approval authority levels.
• Excellent communication and negotiation skills to handle clients and internal stakeholders.
• Knowledge of credit automation tools, underwriting platforms, and digital lending practices is an advantage.

Preferred:

• Hands‑on experience in education loan underwriting and related products.
• Ability to work with large ticket sizes and structured lending products.
• Track record of maintaining high approval quality with minimal delinquencies.