Process Executive

Rupymart Tech; Kolkata District; On-site; INR 300,000 - 540,000; Full time

Benefits offered by this job

Competitive fixed base salary

Intensive induction and training

Clear career advancement opportunities

Standard corporate benefits

Job summary

Rupymart Tech is seeking an analytical Underwriter (Fresher) to join its Credit & Risk team in an entry-level capacity. You will be trained to evaluate personal loan applications, assess borrower risk, verify documents, and make sound credit decisions in line with lending policies.

The role offers comprehensive training on risk matrices, credit bureau reports, and scoring tools, with opportunities to grow into senior underwriting or risk management roles.

Qualifications

• Bachelor's degree in Commerce, Finance, Economics, Accounting, Mathematics, Business Administration, or related quantitative field.
• Freshers welcome; internship or coursework in credit analysis, banking operations, or financial auditing is a strong advantage.
• Strong numerical aptitude and attention to detail.
• Proficient in MS Office and comfortable with databases.
• Clear and professional written and verbal communication.

Responsibilities

• Application Review: Examine personal loan applications for completeness and consistency.
• Credit Evaluation: Analyze credit bureau reports, bank statements, salary slips, and ITR to gauge creditworthiness.
• Risk Assessment: Identify fraud, red flags, discrepancies, or high-risk indicators.
• Verification Support: Coordinate with internal teams or external agencies to validate employment and residential stability.
• Decision Making: Recommend or approve loan amounts, tenures, and interest rates within limits; escalate complex files.
• Compliance: Ensure underwriting files adhere to lending policies, RBI guidelines, and KYC norms.

Skills

Analytical thinking

Numerical aptitude

Attention to detail

Communication skills

MS Excel proficiency

Education

Bachelor's degree in Commerce, Finance, Economics, Accounting, Mathematics, Business Administration, or related quantitative field

Tools

MS Excel

Job description

Job Information

Job Title: Underwriter (Fresher) Job Type: Full-time Department: Credit & Risk

Job Overview

We are seeking an analytical, detail-oriented, and ambitious Underwriter (Fresher) to join our retail lending credit team. In this entry-level role, you will be trained to evaluate personal loan applications, assess borrower risk profiles, verify documentation, and make sound credit decisions in alignment with company lending policies. This position is ideal for numerate graduates looking to build a career in credit risk assessment, banking, and financial underwriting. Comprehensive training on risk matrices, credit bureau reports, and credit-scoring tools will be provided.

Key Responsibilities

• Application Review: Examine personal loan applications thoroughly for completeness, accuracy, and consistency.
• Credit Evaluation: Analyze credit bureau reports (CIBIL/Experian), bank statements, salary slips, and income tax returns (ITR) to gauge applicant creditworthiness and repayment capacity.
• Risk Assessment: Identify potential fraud, red flags, discrepancies, or high-risk indicators in applicant profiles.
• Verification Support: Coordinate with internal verification teams or external agencies to validate employment, residential stability, and financial authenticity.
• Decision Making: Recommend or approve loan amounts, tenures, and interest rates within prescribed discretionary lending limits, escalating complex files to senior underwriters.
• Compliance: Ensure all underwriting files adhere strictly to internal lending policies, RBI/regulatory guidelines, and Know Your Customer (KYC) norms.

Required Skills & Qualifications

• Education: Bachelors degree in Commerce, Finance, Economics, Accounting, Mathematics, Business Administration, or a related quantitative field.
• Experience: Open to freshers; prior internship or coursework in credit analysis, banking operations, or financial auditing is a strong advantage.
• Analytical Skills: Strong numerical aptitude with a keen eye for detail and the ability to spot financial inconsistencies.
• Technical Literacy: Basic proficiency in MS Office (particularly MS Excel) and comfort navigating digital database systems.
• Communication: Clear and professional written and verbal communication skills to collaborate effectively with sales and credit operations teams.
• Attributes: High integrity, sound judgment, accountability, and the ability to work efficiently under daily turnaround-time (TAT) targets.

Benefits & Perks

• Competitive fixed base salary .
• Intensive induction and continuous credit training program.
• Clear career advancement opportunities into Senior Underwriter, Credit Risk Manager, or Portfolio Analyst roles.
• Standard corporate benefits