Credit Underwriting Manager

Ramkrishna Pure Finance; Mumbai; On-site; INR 600,000 - 900,000; Full time

Job summary

Ramkrishna Pure Finance in Mumbai seeks an underwriter for Affordable LAP loan applications. You will assess customer eligibility, analyze financial and property documents, and ensure compliance before loan approval.

You will review CIBIL reports, evaluate repayment capacity, and coordinate with sales, credit, legal, and technical teams to maintain underwriting quality and timely decisions. The role demands sharp analytical skills, attention to detail, and proactive risk management to prevent

Qualifications

• Attention to details and quality focus are essential.
• Proficiency with MS Excel, MS Word, LMS and LOS systems.
• Strong analytical and decision-making abilities.

Responsibilities

• Assess Affordable LAP loan applications and verify customer eligibility.
• Analyze financial documents, bank statements, income proofs, and property papers.
• Evaluate customer repayment capacity and creditworthiness.
• Conduct risk assessment as per company credit norms.
• Coordinate with sales, credit, legal, and technical teams for loan processing.
• Review CIBIL reports and identify risk indicators.
• Ensure proper documentation and compliance before loan approval.
• Recommend loan approval, rejection, or deviations based on assessment.
• Maintain TAT and ensure quality underwriting decisions.
• Monitor fraud risks and policy deviations.

Skills

Attention to details

Accuracy

Quality focus

Analytical thinking

Communication

Tools

LMS

LOS System

MS Office

Job description

Role & responsibilities

Assess Affordable LAP loan applications and verify customer eligibility.

• Analyze financial documents, bank statements, income proofs, and property papers.
• Evaluate customer repayment capacity and creditworthiness.
• Conduct risk assessment as per company credit norms.
• Coordinate with sales, credit, legal, and technical teams for loan processing.
• Review CIBIL reports and identify risk indicators.
• Ensure proper documentation and compliance before loan approval.
• Recommend loan approval, rejection, or deviations based on assessment.
• Maintain TAT and ensure quality underwriting decisions.
• Monitor fraud risks and policy deviations.

Preferred candidate profile

Good understanding of Affordable LAP underwriting.

• Knowledge of banking/NBFC credit policies and processes.
• Ability to analyze financial and property documents.
• Familiarity with CIBIL and risk assessment.
• Strong analytical and decision-making skills.
• Good communication and coordination abilities

Skills Required:

• Attention to details & Accuracy & Quality focus
• MS Excel, MS Word, LMS & LOS System, Email & Office productivity tools