Credit Manager

You will be a Credit Underwriter in the Credit & Risk team at Credit sea. Your role will involve reviewing and analyzing loan applications, financial documents, and credit reports. You will assess applicant risk by evaluating income, liabilities, employment, and repayment capacity. Making clear, data-driven underwriting decisions within defined turnaround times is crucial. It is also essential to ensure compliance with internal policies, regulatory norms, and credit risk standards. Collaboration with sales, collections, and operations teams is necessary to ensure seamless customer journeys. Continuously refining underwriting criteria based on performance and market trends, along with documenting decisions and maintaining accurate underwriting records, will be part of your responsibilities. 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 you're someone who enjoys working with data, has a sharp eye for risk, and thrives in a dynamic environment, Credit sea is looking for you! Please provide the following details when applying: - What is your Current CTC - What is expected CTC - Notice Period In Days You will be a Credit Underwriter in the Credit & Risk team at Credit sea. Your role will involve reviewing and analyzing loan applications, financial documents, and credit reports. You will assess applicant risk by evaluating income, liabilities, employment, and repayment capacity. Making clear, data-driven underwriting decisions within defined turnaround times is crucial. It is also essential to ensure compliance with internal policies, regulatory norms, and credit risk standards. Collaboration with sales, collections, and operations teams is necessary to ensure seamless customer journeys. Continuously refining underwriting criteria based on performance and market trends, along with documenting decisions and maintaining accurate underwriting records, will be part of your responsibilities. 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 you're someone who enjoys working with data, has a sharp eye for risk, and thrives in a dynamic environment, Credit sea is looking for you! Please provide the following details when applying: - What is your Current CTC - What is expected CTC - Notice Period In Days