Key Responsibilities
Review and evaluate applications, financial documents, and risk profiles.
Conduct detailed risk assessments based on internal guidelines and regulatory requirements.
Approve, decline, or recommend applications within assigned authority limits.
Collaborate with sales, operations, and risk teams to ensure accurate and timely underwriting decisions.
Analyse financial statements, credit reports, and relevant documentation to determine eligibility.
Prepare underwriting summaries and recommendations for complex cases.
Maintain high accuracy and compliance with company policies.
Monitor portfolio performance and highlight risk trends.
Support process improvements to enhance underwriting quality and turnaround time (TAT).
Required Skills & Qualifications
Bachelor's degree in Finance, Commerce, Business Administration, or a related field.
Proven experience as an Underwriter in banking, NBFC, insurance, or financial services.
Strong analytical and numerical skills.
Good understanding of risk assessment, credit policies, and underwriting tools.
Excellent communication and stakeholder management skills.
Ability to work under tight timelines with high attention to detail