Credit Manager_Personal Loans

InCred Financial Services; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Job summary

InCred Financial Services is seeking a Credit Underwriting professional to assess and decide digital personal loan applications within our automated LOS. You will review required checkpoints, verify eligibility, and ensure strict adherence to credit policy and audit standards.

You will underwrite and decide on applications, evaluate bureau reports, bank statements, and KYC documents, and maintain daily throughput with policy discipline while coordinating with sales and operations to clear delays.

Qualifications

• 2–5 years of personal loan underwriting experience at an NBFC, fintech, or bank.
• Experience evaluating bureau reports, bank statements, and KYC documents.
• Strong communication skills for cross-team query resolution.
• Ability to maintain daily throughput with policy discipline.
• Bachelor’s/Master's degree in Commerce, Finance, or a related discipline.

Responsibilities

• Underwrite and decision personal loan applications within defined daily TAT.
• Evaluate applicant profiles, bureau reports, bank statements, and income proofs.
• Maintain high accuracy and minimal escalations in decisioned files.
• Coordinate with sales and operations to resolve document queries.
• Provide feedback to improve LOS workflows and credit policy rules.

Job description

We are looking for a Credit Underwriting professional to assess and decision digital personal loan applications. Working within our automated LOS, you will review required checkpoints, verify applicant eligibility, maintain daily file throughput, and ensure strict compliance with credit policy and audit standards.

Key Responsibilities

• Underwrite and decision personal loan applications received in the credit queue within defined daily turnaround times (TAT).
• Evaluate applicant profiles, bureau reports, bank statements, and income proofs against credit policy parameters.
• Efficiently process queue tasks to maintain optimal conversion and approval rates.
• Maintain high accuracy on all decisioned files, ensuring zero documentation errors, minimal escalations, and clean audit scores.
• Coordinate with sales and operations teams to resolve document queries and clear pipeline delays promptly.
• Share regular, practical feedback to improve LOS workflows, operational processes, and credit policy rules.

Candidate Profile & Requirements

• 2–5 years of personal loan underwriting experience at an NBFC, fintech, or bank.
• Hands-on experience working directly in an LOS evaluating retail bureau reports, banking statements, and KYC documents.
• Proven ability to handle daily case volumes with speed, precision, and policy discipline.
• Strong communication skills for cross-team query resolution.
• Bachelor’s/Master's degree in Commerce, Finance, or a related discipline.