Credit Manager

About the Company:

At Credit sea, we partner with heading NBFCs to help Customers find the best online financial solutions, including quick and hassle-free loans. Our skilled team provides assistance every step of the way, from Completing your loan documents to ensuring fast disbursal of funds.

About The Role:

We are looking for a detail-oriented and analytical Credit Underwriter to join our Credit & Risk team. The ideal candidate will assess loan applications, evaluate creditworthiness, and make informed decisions that align with the companys risk appetite and business goals.

• Key Responsibilities:
• Review and analyze loan applications, financial documents, and credit reports
• Assess applicant risk by evaluating income, liabilities, employment, and repayment capacity
• Make clear, data-driven underwriting decisions within defined turnaround times
• Ensure compliance with internal policies, regulatory norms, and credit risk standards
• Collaborate with sales, collections, and operations teams to ensure seamless customer journeys
• Continuously refine underwriting criteria based on performance and market trends Document decisions and maintain accurate underwriting records
• Qualifications:
• Bachelors degree in Finance, Economics, Business, or related field 13 years of experience in credit underwriting, preferably in NBFCs or fintech companies
• Strong understanding of credit risk, financial ratios, and lending practices
• Proficiency in MS Excel and credit scoring tools
• High attention to detail and strong analytical skills Ability to work independently and make sound judgments
• Experience in underwriting unsecured loans or digital lending platforms(Preferred)
• If youre someone who enjoys working with data, has a sharp eye for risk, and thrives in a dynamic environmentwed love to hear from you!