Credit Underwriting Specialist - LAP

Jsw One Platforms; Mumbai; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Jsw One Platforms in Pune is seeking an experienced Credit Underwriting Specialist with expertise in Secured Loan to assess MSME/SME credit risk and determine credit limits up to 50 Lakh.

This individual contributor role requires strong analytical skills and proficiency in analyzing financial statements, balance sheets, and P&L, with collaboration across Sales, Risk, and Operations to ensure smooth onboarding and timely credit approvals.

Qualifications

• Evaluate MSME/SME or B2B clients' financial health by analyzing balance sheets, P&L statements and other financial documents to determine creditworthiness.
• Conduct risk analysis and set appropriate credit limits based on financials, credit history and business profile.
• Prepare and review credit proposals in line with internal credit policies, risk guidelines and regulatory requirements.

Responsibilities

• Evaluate MSME/SME or B2B clients' financial health, analyzing balance sheets, P&L statements, and other financial documents to determine creditworthiness.
• Conduct risk analysis and determine the appropriate credit limits for clients based on their financials, credit history, and business profile.
• Prepare and review credit proposals, ensuring compliance with internal credit policies, risk management guidelines, and regulatory requirements.
• Build relationships with Sales, Risk, and Operations to onboard clients smoothly.
• Ensure timely and accurate processing of credit proposals and approvals.
• Provide recommendations and solutions to clients while adhering to risk guidelines.
• Monitor portfolio performance, identify risks, and take actions to mitigate credit exposure.
• Collaborate with senior management to provide insights on portfolio trends, client profiles, and risk factors.
• Work independently and contribute to the growth of the credit underwriting team.

Skills

Credit underwriting

Regulatory/compliance

Financial statement analysis

Education

CA

MBA (Full-time)

Job description

Role Overview: We are looking for an experienced Credit Underwriting Specialist with expertise in Secured Loan to join our team. The ideal candidate should have a deep understanding of core LAP. This role is an individual contributor position based in Pune

Key Responsibilities:

• Evaluate MSME/SME or B2B clients' financial health, analyzing balance sheets, P&L statements, and other financial documents to determine creditworthiness.
• Conduct a thorough risk analysis and determine the appropriate credit limits for clients based on their financials, credit history, and business profile.
• Prepare and review credit proposals, ensuring compliance with internal credit policies, risk management guidelines, and regulatory requirements.
• Build and maintain relationships with internal teams such as Sales, Risk, and Operations to ensure smooth onboarding of clients.
• Ensure timely and accurate processing of credit proposals and approvals.
• Provide recommendations and solutions to clients while adhering to risk guidelines.
• Monitor portfolio performance, identify potential risks, and take appropriate actions to mitigate credit exposure.
• Collaborate with senior management to provide insights on portfolio trends, client profiles, and risk factors.
• Work independently and contribute to the growth and success of the credit underwriting team.

Key Requirements:

• Minimum 3 to 7 years of experience in credit underwriting, with CA or Full time MBA.
• Solid understanding and experience with core Mortgage Loan.
• Proven experience in underwriting MSME/SME credit or B2B portfolios with a focus on limits up to 50 Lac.
• Strong analytical skills and ability to assess financial documents and perform risk assessments.
• Experience working in an individual contributor role, demonstrating self-motivation, initiative, and accountability.
• Previous work experience in an NBFC or Bank is required (no candidates from Fintech or Unsecured Loans).
• Excellent communication and negotiation skills to engage with clients and internal stakeholders.
• Strong attention to detail, with a focus on accuracy and compliance.
• Early joiners will be preferred.