Credit Senior Associate

• Position: Credit Senior Associate– Two & Three -Wheeler Loan Underwriting
• Location: Vashi, Navi Mumbai
• Experience: 3 – 5 years (strictly within this band), specifically in underwriting two-wheeler
• loans for NBFCs
• Reporting To: Regional Credit Manager / Head – Credit

About the Role :

• ProsParity (Etribe Finance Private Limited) is looking for an experienced Credit Senior
• Associate to independently underwrite loans. The ideal candidate will have hands-on, NBFCspecific
• two-wheeler and three-wheeler loan underwriting experience within the 3–5 years
• band, strong Excel skills, and the ability to take independent credit decisions within defined
• policy and delegation limits.

Key Responsibilities :

•  Independently underwrite loan applications end-to-end, from login to disbursement, in
• line with the companys credit policy and risk appetite.
•  Conduct personal discussions (PD) and telephonic verification of applicants, coapplicants,
• and guarantors to assess creditworthiness and intent to pay.
•  Evaluate income documents, bank statements, bureau reports (CIBIL/Experian/CRIF),
• and other KYC/financial documents to arrive at a sound credit decision.
•  Carry out field/desktop verification coordination (residence, business, employment)
• through the verification/FI agencies and validate reports received.
• Assess dealer/showroom-level risk, vehicle valuation, and margin/LTV compliance for
• each vehicle loan file.
•  Maintain and analyze underwriting data, portfolio quality (DPD buckets, vintage/cohort
• trends), and prepare MIS/reports in Excel for management review.
•  Ensure adherence to RBI guidelines, internal credit policy, and DPDP Act/KYC-AML
• norms in every file underwritten.
•  Coordinate with sales, operations, and collections teams at the branch to ensure
• smooth login-to-disbursement turnaround time (TAT)
• Flag early warning signals, fraud indicators, and policy deviations, and recommend
• corrective action.
•  Support portfolio audits, RCU (risk containment unit) queries, and internal/statutory
• audit requirements as needed.
• Required Qualifications & Experience
•  3-5 years of experience (strictly within this band) in underwriting two-wheeler loans with
• an NBFC (candidates outside this experience band will not be considered).
•  Proven track record of independent credit underwriting/decisioning – not merely fileprocessing
• or sourcing support.
•  Strong working knowledge of MS Excel (V-lookups, pivot tables, basic formulas) for
• portfolio tracking, MIS, and reporting.
•  Sound understanding of credit bureau reports, income assessment methods, and twowheeler
• asset/dealer ecosystem.
•  Graduate degree in any discipline; a background in finance/commerce is preferred.
•  Willingness to work 6 days a week and travel locally within Bhopal and surrounding
• markets as required.
•  Good communication skills in Hindi and English for applicant/dealer interactions.
• Desired Attributes
•  High integrity and sound judgment in credit decision-making, with the ability to say no
• to a bad file despite business pressure.
•  Comfortable working independently at a branch/location level with minimal
• supervision.
•  Detail-oriented, process-driven, and comfortable with data/Excel-heavy reporting.
•  Preference for candidates with prior experience of working for IDFC First Bank, Capital
• First Limited, Berar Finance and L&T Finance.
•  Familiarity with co-lending/DSA-sourced two-wheeler loan models is an added
• advantage.
• Interested Candidates please email their CV and below details to [HIDDEN TEXT]
• Current CTC :
• Notice Period :
• Location :