Credit Risk Underwriter

Qrata Pvt. Ltd.; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Qrata Pvt. Ltd. in Bengaluru is seeking an experienced credit risk professional to design and implement underwriting strategies for supply chain finance and fintech applications.

You will review financial statements, conduct secondary research on borrowers, build cashflow-based risk models, and ensure policy compliance while monitoring portfolio quality. Collaborate with technology and business leaders to enhance credit acquisition and risk management capabilities.

Qualifications

• Experience in credit underwriting for supply chain/fintech.
• Proficient analysis of Balance Sheet, P&L and cash flow.
• Knowledge of KYC, bank statements and credit reports.

Responsibilities

• Design and formulate credit underwriting for SCM finance.
• Research financial history of businesses and related parties.
• Review financial statements and tax filings to develop profiles.
• Develop scorecard-based risk models and cashflow-driven strategies.
• Ensure policy compliance and monitor portfolio quality.
• Collaborate with tech and business leaders to build risk capabilities.
• Coordinate with banks/NBFCs to assess facilities.
• Review credit operations and track exceptions/deferrals.
• Conduct economy/industry trend research and background checks.

Skills

Credit underwriting

Credit risk

Cashflow analysis

Financial statement review

KYC compliance

Stakeholder management

Job description

Designing and formulating credit underwriting for supply chain finance and strategize & partner

in technology implementation to enable digital journey in supply chain financing process.

Responsible for conducting detailed research on the financial history of businesses and their

related parties/ individuals to determine their creditworthiness.

Reviewing and verifying financial statements (like Balance Sheet, P&L, Cashflow), GSTR 3B

filings, Bank Statements, credit rating report, KYC and other financial documents to develop a

customer’s/prospect profile and arrive at a credit recommendation.

Building scorecard-based credit risk decision models and strategies driven by cashflow based

approach in the fintech domain.

Ensure policy compliance and underwriting standards, thereby maintaining standard portfolio

quality through monitoring account conduct, credit limit, contribution margins, credit rating

movement.

Working closely with technology and business team leaders to build out new credit acquisition

and risk management capabilities and refine the existing ones.

Co-ordinating with external financial partners banks/ NBFCs to explore best suited facility

structure basis pros and cons.

End to end review of credit operations process and keeping a close track of exceptions/

deferrals at sanction and transaction levels.

Undertake secondary research to be abreast with economy & industry trends, regulatory

requirements and key management personnel background check

Opportunity to have a direct interface with corporate customers and come up with the

learning curve via engagement with modules: Banking instruments like BG, LC, LCBD, Invoice