Underwriter - Credit & Risk

Keka Technologies Private Limited; Hinoba-an; On-site; PHP 1,881,000 - 3,762,000; Full time

Job summary

Pointo is seeking a detail-oriented Underwriter – Credit & Risk to assess borrower profiles, evaluate creditworthiness, and support scalable lending decisions within its EV financing ecosystem. The role emphasizes accurate analysis of income, cash flow, bureau reports, and regional documentation, with a strong emphasis on Hindi language proficiency.

You will work with sales, operations, and collections teams, maintain underwriting logs, and help develop underwriting frameworks for new

Qualifications

• Bachelor’s degree in Finance, Commerce, Economics, or related field.
• 2–5 years of experience in credit underwriting / risk assessment in fintech.
• Experience in EV financing or asset-based lending preferred.
• Proficiency in Hindi for document interpretation and customer communication.

Responsibilities

• Evaluate loan applications for EV battery financing and leasing.
• Analyze income, cash flow, and bureau reports for risk assessment.
• Conduct risk-based decisioning in line with policies.
• Coordinate with field teams for validation and discrepancy resolution.
• Maintain underwriting logs and track decision trends.

Skills

Analytical thinking

Decision making

MS Excel

Google Sheets

Credit risk

Fraud detection

Attention to detail

Hindi language proficiency

Education

Bachelor’s degree in Finance, Commerce, Economics

Tools

MS Excel

Google Sheets

Job description

CTC: As per company policy

About Pointo

Pointo is building India’s largest battery swapping and financing ecosystem for electric mobility. We enable EV adoption through smart financing, battery lifecycle management, and risk-controlled credit models.

Role Overview

We are looking for a detail-oriented and analytical Underwriter – Credit & Risk who will assess borrower profiles, evaluate creditworthiness, and support scalable lending decisions within the EV ecosystem.

A critical requirement for this role is strong proficiency in Hindi (spoken, written, and comprehension) to effectively evaluate customer interactions, field inputs, and regional documentation.

Key Responsibilities

Credit Assessment & Underwriting

• 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
• Review KYC and financial documents (many cases in Hindi/regional format)
• Coordinate with field teams for validation and discrepancy resolution
• Ensure compliance with internal policies and regulatory requirements

Stakeholder Coordination

• Work closely with sales, operations, and collections teams
• Support faster TAT while maintaining risk discipline
• Provide feedback loops to improve sourcing quality

Data & Reporting

• Maintain underwriting logs and decision records
• Track approval/rejection trends and recommend improvementsAssist in portfolio monitoring and early risk identification

Mandatory Requirement (Critical)

• Fluency in Hindi (Speak, Read, Write, Understand) – mandatory
• Ability to interpret Hindi documents, customer communication, and field reports

Qualifications & Experience

• Bachelor’s degree in Finance, Commerce, Economics, or related field
• 2–5 years of experience in credit underwriting / risk assessment / NBFC / fintech / lending
• Experience in EV financing, vehicle loans, MSME lending, or asset-based lending is preferred

Skills Required

• Strong analytical and decision‑making skills
• Understanding of credit bureau reports (CIBIL, Experian, etc.)
• 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

Preferred Profile

• Experience in field-heavy or semi-urban/rural lending models
• Familiarity with North & East India market dynamics

Why Join Pointo?

• 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