About the Role

We are seeking an experienced Manager / Senior Manager – Credit (Business Loan) to lead underwriting for small-ticket secured loans. The role involves evaluating BL cases, managing a team, ensuring portfolio quality, and driving credit decisions aligned with risk and policy frameworks.

Key Responsibilities

• Lead and manage credit underwriting for Business Loan cases

• Review and approve small-ticket, high-volume secured loan proposals

• Analyze financials, banking patterns, and surrogate income assessment

• Evaluate property documents, legal and technical reports

• Assess customer profiles including informal income segments

• Ensure adherence to KYC, compliance, and internal credit policies

• Guide and mentor team members to improve decision quality and TAT

• Coordinate with sales, legal, technical, and operations teams

• Monitor portfolio quality and track early delinquency indicators

• Drive process improvements and strengthen credit filters for Business Loan.

Eligibility Criteria

• 6–10 years of experience in credit underwriting (Business Loan preferred)

• Strong expertise in evaluating informal income profiles and banking

• Good knowledge on assessing legal & Technical reports for properties.

• Hands-on experience in handling high-volume, small-ticket cases

• Prior team handling experience is mandatory

• Experience in NBFCs / Banking sector preferred

Skills Required

• Strong leadership and decision-making skills

• Excellent analytical and risk assessment ability

• Understanding of surrogate income assessment techniques

• Stakeholder management and communication skills

• Ability to work in a fast-paced, high-volume environment

Why Join Us

• Leadership role in a fast-growing fintech organization

• Exposure to emerging Business Loan segment and underserved markets

• Opportunity to shape credit policy and underwriting strategy

• Collaborative and high-impact work environment

Note

• Immediate joiners will be given preference