To evaluate, underwrite, and approve unsecured loan proposals (Personal Loan / Business Loan / Consumer Loan) within defined TAT and risk parameters, ensuring portfolio quality while supporting business growth at the branch level.
Assess Personal Loan / Business Loan files as per policy guidelines.
Analyze income documents, bank statements, bureau reports, and financials.
Evaluate repayment capacity and risk profile.
Approve / recommend cases within delegated authority.
Ensure adherence to underwriting norms and compliance standards.
Monitor portfolio performance for the branch.
Track delinquency (DPD / PAR) trends and identify risk triggers.
Coordinate with collections for early delinquency control.
Recommend corrective actions to minimize credit losses.
Ensure credit decisions within defined TAT.
Maintain high quality of credit notes and documentation.
Minimize rework and queries.
Support audits and regulatory inspections.
Work closely with Branch Sales Manager & Relationship Officers.
Guide sales team on policy fitment and documentation gaps.
Provide feedback on proposal quality and sourcing trends.
Balance business growth with prudent risk assessment.
Ensure adherence to KYC, AML, and regulatory guidelines.
Maintain proper record-keeping and credit file documentation.
Prevent fraud through thorough verification and due diligence.
Approval Rate within Risk Norms
Portfolio Quality (PAR %, DPD levels)
Credit TAT
Audit Observations / Compliance Score
First-time-right decisions
Graduate / Postgraduate (MBA / CA / CFA preferred).
3–7 years of experience in unsecured loan underwriting.
Experience in Personal Loans / Business Loans / SME unsecured products.
Strong understanding of bureau analysis and income assessment.
Strong analytical & risk assessment skills
Knowledge of underwriting and regulatory norms
Decision-making within delegation limits
Attention to detail
Stakeholder management