Underwriter - Credit & Risk

Pointo; Barrackpore; On-site; INR 540,000 - 980,000; Full time

Benefits offered by this job

Be part of India’s fast-growing EV & 2

Job summary

Pointo is seeking an underwriting professional to evaluate loan applications for EV financing and leasing, analyze customer profiles, and conduct risk-based decisioning in a fast‑growing startup. You will identify credit risks, develop underwriting frameworks for new segments, and ensure portfolio quality in collaboration with sales, operations, and collections teams.

Responsibilities include maintaining logs, monitoring trends, and ensuring compliance with policies and regulations while

Qualifications

• Bachelor’s degree in Finance, Commerce, Economics or related field.
• 2–5 years of experience in credit underwriting, risk assessment, NBFC, fintech, or lending.
• Strong analytical and decision‑making skills.
• Experience handling Hindi‑speaking customer base.
• Proficiency in MS Excel / Google Sheets.
• Ability to work in a fast‑paced startup environment.

Responsibilities

• Evaluate loan applications for EV battery financing and leasing products.
• Analyze customer profiles including income, cash flow, bureau reports, and business stability.
• Conduct risk‑based decisioning aligned with company policies.
• Identify potential credit risks and flag high‑risk profiles.
• Develop and implement underwriting frameworks for new customer segments.
• Maintain portfolio quality by ensuring prudent lending decisions.
• Coordinate with field teams for validation and discrepancy resolution.
• Ensure compliance with internal policies and regulatory requirements.
• Work closely with sales, operations, and collections teams.
• Support faster turnaround time while maintaining risk discipline.
• Provide feedback loops to improve sourcing quality.
• Maintain underwriting logs and decision records.
• Track approval/rejection trends and recommend improvements.
• Assist in portfolio monitoring and early risk identification.

Skills

Credit risk analysis

Underwriting

NBFC/Fintech lending

Fraud detection mindset

Excel/Sheets

Hindi document interpretation

Education

Bachelor’s degree in Finance/Commerce/Economics

Job description

ROLE

• Evaluate loan applications for EV battery financing and leasing products


• Analyze customer profiles including income, cash flow, bureau reports, and business stability


• Conduct risk-based decisioning aligned with company policies


• Identify potential credit risks and flag high‑risk profiles


• Develop and implement underwriting frameworks for new customer segments


• Maintain portfolio quality by ensuring prudent lending decisions


• Coordinate with field teams for validation and discrepancy resolution


• Ensure compliance with internal policies and regulatory requirements


• Work closely with sales, operations, and collections teams


• Support faster turnaround time while maintaining risk discipline


• Provide feedback loops to improve sourcing quality


• Maintain underwriting logs and decision records


• Track approval/rejection trends and recommend improvements


• Assist in portfolio monitoring and early risk identification

REQUIREMENTS

• Ability to interpret Hindi documents, customer communication, and field reports


• Bachelor’s degree in Finance, Commerce, Economics, or related field


• 2–5 years of experience in credit underwriting, risk assessment, NBFC, fintech, or lending


• Strong analytical and decision‑making skills


• Risk assessment and fraud detection mindset


• Attention to detail and documentation accuracy


• Proficiency in MS Excel / Google Sheets


• Ability to work in a fast‑paced, high‑growth startup environment


• Experience in field‑heavy or semi‑urban/rural lending models


• Familiarity with North & East India market dynamics


• Prior experience handling Hindi‑speaking customer base

BENEFITS

• Be part of India’s fast‑growing EV & battery financing ecosystem


• Opportunity to build scalable credit models from the ground up


• High‑impact role with strong learning and growth opportunities