Credit Underwriting Specialist (Working capital and SCF)

Jsw One Platforms; Delhi; On-site; INR 4,500,000 - 5,500,000; Full time

Job summary

Jsw One Platforms in Bangalore seeks an experienced Credit Underwriting Specialist focused on working capital products. You will evaluate MSME/SME client financials, determine credit limits up to 50 Lac, and collaborate with Sales, Risk, and Operations to onboard clients while ensuring compliance.

Join a team that assesses risk, maintains strong client relationships, and drives growth in working capital financing, including CC, OD, WCDL, and Bills Discounting.

Qualifications

• 3–7 years of experience in credit underwriting.
• CA or MBA required.
• Strong analytical skills and ability to assess financial documents.
• Experience with working capital products (CC, OD, WCDL, SCF, Bills Discounting).

Responsibilities

• Perform detailed underwriting for working capital products (CC, OD, WCDL, SCF, Bills Discounting).
• Assess MSME/SME or B2B client financial health using balance sheets and P&L.
• Determine credit limits based on financials, history, and business profile.
• Prepare and review credit proposals per internal policies and regulatory requirements.
• Collaborate with Sales, Risk, and Operations to onboard clients.
• Ensure timely processing of proposals and approvals.
• Monitor portfolio performance and mitigate credit exposure.
• Provide insights on portfolio trends to senior management.
• Work independently and contribute to team growth.

Skills

Analytical skills

Communication skills

Negotiation skills

Attention to detail

Education

CA

MBA

Job description

Role Overview:We are looking for an experienced Credit Underwriting Specialist with expertise in working capital products to join our team. The ideal candidate should have a deep understanding of core working capital financing products, including CC (Cash Credit), OD (Overdraft), WCDL (Working Capital Demand Loan), Supply Chain Financing, and Bills Discounting. This role is an individual contributor position based in Bangalore

Key Responsibilities:

• Perform detailed credit assessment and underwriting for working capital products such as Cash Credit (CC), Overdraft (OD), Working Capital Demand Loans (WCDL), Supply Chain Financing, and Bills Discounting.
• 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 working capital products (CC/OD/WCDL/Supply Chain/Bills Discounting).
• 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.