Senior Credit Underwriter

Company Description Self-employed professionals in credit underwriting typically operate as independent consultants or contractors, providing specialized expertise to financial institutions, fintech companies, and lending businesses. Working independently allows for flexibility in client selection, project scope, and engagement models while maintaining high standards of professional ethics and regulatory compliance. Senior Credit Underwriters in a self-employed setting often manage their own portfolio of clients, build long-term relationships, and deliver tailored credit solutions. This environment suits individuals who are proactive, commercially aware, and comfortable taking ownership of outcomes. It offers opportunities to influence credit policies, optimize risk frameworks, and contribute directly to clients’ portfolio quality.
Role Description This is a full-time, on-site Senior Credit Underwriter role based in Bengaluru. The role involves evaluating credit applications, analyzing financial statements, assessing repayment capacity, and determining appropriate credit limits and terms for various loan products. The Senior Credit Underwriter will review and validate documentation, apply underwriting policies, and ensure decisions align with regulatory guidelines and internal risk frameworks. Daily responsibilities include collaborating with sales, operations, and risk teams, clarifying information with applicants or intermediaries, and preparing clear credit notes and recommendations. The role also requires monitoring portfolio performance, identifying early warning signals, contributing to policy enhancements, and mentoring junior underwriting staff.
Qualifications
Candidates should possess strong Credit Underwriting and Underwriting skills, with experience in assessing diverse borrower profiles and loan structures.
Candidates should possess advanced Analytical Skills to interpret financial data, cash flows, and risk indicators for informed credit decisions.
Candidates should possess effective Communication skills to present credit recommendations, negotiate terms, and collaborate with cross-functional teams.
Candidates should possess solid understanding of Loans, including consumer, SME, or commercial lending products and related regulations.
Relevant experience in banking, NBFCs, or fintech credit risk functions, preferably in a senior or lead underwriter capacity.
Strong knowledge of regulatory and compliance requirements in the Indian credit and lending environment.
Proficiency with financial analysis tools, spreadsheets, and loan management systems.
Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field; professional certifications in credit or risk management are an advantage.
Ability to work independently, manage multiple cases simultaneously, and maintain high accuracy and integrity in decision-making.

Work arrangement
No