Credit Underwriter Qrata

The Corporate Institute; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

The Corporate Institute in Bengaluru seeks a Credit Underwriter to design and implement credit underwriting for supply chain finance. You will evaluate financial histories, review statements, and support risk-based decisions.

You will build scorecard models, ensure policy compliance, and collaborate with technology and business teams to refine risk capabilities and bank partner structures.

Qualifications

• Design and formulate credit underwriting for supply chain financing.
• Research financial history to determine creditworthiness.
• Review financial statements and related documents for profiling.
• Develop scorecard-based credit risk models driven by cash flow.
• Ensure policy compliance and portfolio quality.
• Collaborate with tech and business teams to refine risk capabilities.
• Coordinate with banks/NBFCs to structure facilities.
• Review credit operations end-to-end and monitor exceptions.
• Stay informed on economy and industry trends.

Responsibilities

• Design and implement credit underwriting for supply chain finance.
• Assess financial histories and run risk evaluations.
• Verify statements, filings, and KYC to inform decisions.
• Build cash-flow based risk models and scorecards.
• Ensure adherence to underwriting standards and monitoring.
• Work with tech and business leaders to enhance capabilities.

Skills

Credit underwriting

Financial analysis

Cash flow analysis

Credit risk assessment

KYC

Policy compliance

Education

Master’s in Finance

CA

Job description

Title:

Credit Underwrite

Roles and Responsibilities:

• – Designing and formulating credit underwriting for supply chain finance and strategize and 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 and 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:
• 1. Banking instruments like BG, LC, LCBD, Invoice Discounting, Supply chain finance, financial reporting, AR management etc.

Qualifications:

• – Master’s in Finance or CA