Credit Underwriter: SME Lending - CA/CMA

Oxyzo Financial Services; Gurugram District; On-site; INR 600,000 - 900,000; Full time

Job summary

Oxyzo Financial Services Pvt. Ltd. in India seeks a credit underwriting professional to evaluate loan proposals and ensure adherence to policy within defined TATs.

You will analyze financial statements, cash flows, and ratios to assess working capital and term funding needs for SME customers. Collaborating with Sales and Operations, you will support disbursements, monitor portfolio performance, and propose policy updates based on risk insights while maintaining compliance with banking and GST

Qualifications

• Underwrite loan applications per policy.
• Analyze financial statements and cash flows.
• Assess working capital/term loan needs for SMEs.
• Conduct PD discussions to assess creditworthiness.
• Evaluate bank statements, EMI patterns, tax filings, GST compliance.
• Recommend loan decisions per credit policy.
• Collaborate with Sales and Operations to support disbursements.
• Monitor portfolio and suggest policy updates based on risk insights.

Responsibilities

• Evaluate and underwrite loan applications post credit processing.
• Conduct quantitative & qualitative analysis including Personal Discussions (PD) to assess creditworthiness.
• Perform Financial Analysis: assess balance sheets, profitability, and net worth.
• Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance.
• Carry out Legal Checks: identify any existing complaints or legal red flags.
• Recommend loan decisions (Approve/Reject) as per credit policy.
• Collaborate with Sales and Operations Teams to support disbursements and business targets.
• Monitor portfolio performance and suggest policy updates based on risk insights.

Skills

Underwriting

Credit analysis

Financial statement analysis

PD interviews

Job description

Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME.

Key Responsibilities:

• Evaluate and underwrite loan applications post credit processing.
• Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness.
• Perform Financial Analysis: assess balance sheets, profitability, and net worth.
• Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance.
• Carry out Legal Checks: identify any existing complaints or legal red flags.
• Recommend loan decisions (Approve/Reject) as per credit policy.
• Collaborate with Sales and Operations Teams to support disbursements and business targets.
• Monitor portfolio performance and suggest policy updates based on risk insights