Credit Risk Underwriter

What role you will play in team: You will be a key member of the credit risk team, evaluating loan applications and mitigating financial risk for Bajaj Finserv's consumer lending products.

What you will do: You will independently assess creditworthiness of borrowers, analyze financial statements, and make sound lending decisions, adhering to regulatory guidelines.

Key responsibility:

• Analyze credit reports and financial statements to assess risk
• Evaluate loan applications, adhering to company policies and regulatory guidelines
• Make independent lending decisions based on a comprehensive risk assessment
• Maintain accurate records and documentation of the underwriting process
• Collaborate with other departments to improve credit risk management processes
• Identify and mitigate potential fraud and abuse within loan applications.
• Stay updated on regulatory changes and industry best practices in credit risk management.

Required Qualification and Skills:

• Bachelor's degree in Finance, Accounting, Economics, or a related field
• Excellent analytical and problem-solving skills
• Strong understanding of credit risk management principles
• Proficiency in MS Office Suite, particularly Excel
• Excellent communication and interpersonal skills
• Experience with credit scoring models and financial statement analysis is a plus.

Benefits Included:

• Competitive salary and benefits package
• Opportunities for professional development and career growth
• Dynamic and collaborative work environment
• Medical insurance
• Paid time off

A Day in the Life: You'll spend your day reviewing loan applications, analyzing financial data, and making credit risk assessments. You'll collaborate with colleagues to improve our processes and contribute to the overall financial health of the company.