Credit Underwriting - Business Loans

KreditBee; Bengaluru; On-site; INR 1,000,000 - 2,000,000; Full time

Job summary

A leading financial technology company in India is looking for a Credit Manager for Business Loans. This role involves reviewing loan applications, managing vendor relationships, and training stakeholders on loan policies. The ideal candidate should have significant experience in business loan underwriting and possess strong analytical and communication skills.

Qualifications

• 4 to 7 years of experience in business loan underwriting.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal skills.

Responsibilities

• Reviewing the complete file of loan applications.
• Conducting personal discussions and video PDs with applicants.
• Ensuring timely decision making within the TAT.

Skills

Communication

Interpersonal Skills

Analytical Skills

Problem Solving

Ability to Work Under Pressure

Job description

About Company:

KreditBee is India’s largest fintech lending platform with a current monthly disbursement of over ₹1600 Crores. It has 50 Million+ downloads on Google Play Store and over 85 Lakh unique loan customers. It offers various financial services digitally including but not limited to Personal Loans, Business Loans, DigiGold investment, Insurance, Credit Score Report, and Expense Tracker. The group entity has an in-house RBI registered NBFC, and is currently Series-D funded with marquee investors like Premji Invest, Advent International, Motilal Oswal Private Equity, MUFG and TPG-backed NewQuest, among others.

The Credit Manager for Business Loans will be responsible for:

• Reviewing the complete file of loan applications
• Conducting personal discussions and video PDs with applicants
• Ensuring timely decision making within the TAT
• Managing vendors involved in the loan processing
• Training stakeholders on loan policies and procedures.
• Maintaining MIS reports related to loan applications and approvals
• Conducting portfolio reviews to assess the performance of the loan book
• Underwriting cases with desired level of quality and enabling achievement of Branch Business target by proper training.
• To evaluate proposals of customers for Business Loans.
• Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation
• Interact with Customers & understand the business and regularly monitor delinquencies / infants.

The ideal candidate for this position should have:

• 4 to 7 years of experience in business loan underwriting
• Excellent communication and interpersonal skills
• An ability to work under pressure and meet tight deadlines
• Strong analytical and problem-solving skills

Disclaimer:

This job description may not be inclusive of all assigned duties, responsibilities, or aspects of the job described and may be amended at anytime at the sole discretion of the Employer.

Please be aware that Krazybee or Kreditbee, as potential employers, are obligated to get the personal information of any applicants who express interest in applying for a position. By submitting an application for the aforementioned position, I, the applicant, grant Kreditbee or Krazybee permission to gather any personal data that may be needed in order to assess my application for the aforementioned employment.