Central Credit - Digital Lending

Education :- CA is a must

Role and Responsibilities: 

• Develop and refine credit policies, guidelines, and underwriting criteria specific to digital loans in the b2c retail sector, ensuring alignment with regulatory requirements and industry best practices.  Regularly review and update credit policies to adapt to changing market dynamics and emerging trends. 
• Assess digital loan applications received through our online platform to evaluate creditworthiness. 
• Collaborate with technology teams to refine and enhance the digital underwriting process for efficiency, accuracy, and risk assessment. 
• Determine loan eligibility, quantum, and terms based on risk evaluation results. 
• Continuously identify opportunities for process automation and digitalization to streamline the credit evaluation process, reduce turnaround times, and enhance customer experience. 
• Stay updated with relevant regulations and guidelines set by regulatory bodies in the NBFC sector, and ensure that underwriting practices are compliant. 
• Generate regular reports and insights on the performance of the digital loan portfolio, including approval rates, delinquency rates, and portfolio quality. 
• Provide actionable recommendations for portfolio management and risk mitigation. 
• Train and mentor junior underwriters to ensure a deep understanding of credit policies, digital tools, and underwriting techniques.