Job Description

We are seeking a highly qualified and experienced Senior Credit Underwriting Manager to join our team. This role is pivotal in ensuring the responsible evaluation and underwriting of loan proposals in alignment with our company\'s credit and risk policies. The Senior Credit Underwriting Manager will play a critical role in maintaining the quality of our lending portfolio, while also proposing policy modifications based on portfolio analysis. Work location : Gurugram, Haryana Joining : Immediate Work Experience : 6-12 Years Role amp; responsibilities The evaluation and underwriting of proposals in accordance with the company\'s credit amp; risk policy. Managing cases as they proceed through underwriting following credit processing. Manage customers PD and perform quantitative and qualitative analysis of the case. Financial analysis: the client\'s creditworthiness, historical patterns, net worth, etc. Banking Analysis: tracking EMI repayment, identifying all anchors and suppliers. Statutory Analysis: determine whether tax returns have been filed, whether GST has been reported, whether any taxes are owing, whether there is a liquidity issue, etc. Legal Evaluation Personal meetings with customers to assess their business, internal and external reference checks, and FCU and RCU checks Underwriting the cases/customers in accordance with the established policy. recommending or ruling (approve or reject) on the merits of the cases. Working closely with the sales team, channel partners, and cross-sell team to support them appropriately so that they may develop the business and meet joint objectives and targets Cooperating and closing with the operations team to ensure that approved cases are distributed smoothly. Portfolio analysis, which involves reducing risk before authorizing a loan. Proposing or launching policy modifications based on portfolio analysis. Preferred Candidate Profile Candidate should be from banking profile.

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