Credit Risk Underwriter | Thane |

N Human Resources & Management Systems; Thane; On-site; INR 1,350,000 - 1,650,000; Full time

Job summary

N Human Resources & Management Systems in Thane invites a Credit Risk Analyst to join our business loans team. You will evaluate credit risk, underwrite secured and unsecured loans, and help shape credit policy to strengthen portfolio quality.

The role requires strong financial analysis, familiarity with credit policy frameworks, and the ability to work with NBFC/Bank guidelines. Local candidates from Thane are preferred.

Qualifications

• Experience in Credit Risk / Underwriting – Business Loans.
• Awareness of credit policy frameworks & risk guidelines.
• Strong analytical and financial analysis skills.
• Local candidates or open to working from Thane.

Responsibilities

• Assess and underwrite Business Loans (secured/unsecured) as per credit policy.
• Analyze financial statements, cash flows, and risk parameters.
• Support credit policy formulation, review, and enhancements.
• Monitor portfolio performance and flag early warning signals.
• Ensure adherence to internal policies and regulatory guidelines.

Skills

Credit risk analysis

Underwriting

Financial statement analysis

Credit policy knowledge

NBFC/Bank experience

Job description

N Human Resources & Management Systems | Full time

Credit Risk Analyst – Business Loans

Location: Thane (open to local candidates)

CTC: Up to ₹15 LPA

Job Summary:

We are looking for a Credit Risk professional with hands-on experience in Business Loans underwriting and a good understanding of credit policy framework development. The role involves evaluating credit risk, supporting policy enhancement, and ensuring portfolio quality.

Key Responsibilities

• Assess and underwrite Business Loans (secured/unsecured) as per credit policy


• Analyze financial statements, cash flows, and risk parameters


• Support credit policy formulation, review, and enhancements


• Monitor portfolio performance and flag early warning signals


• Ensure adherence to internal policies and regulatory guidelines

Requirements

• Experience in Credit Risk / Underwriting – Business Loans


• Awareness of credit policy frameworks & risk guidelines


• Strong analytical and financial analysis skills


• Prior experience with NBFC/Bank/FI preferred


• Local candidates or open to working from Thane