AVP - Underwriting

• CA or MBA preferred
• Minimum 10+ years of experience in NBFC/Fintech/Banking industry with a focus on Credit Underwriting
• Prior experience in policy design, underwriting governance, or risk management is essential
• Team management experience requiredRole & responsibilities

Policy & Underwriting Governance

• Own end-to-end credit underwriting policy and governance across lending products, setting direction in line with business strategy and risk appetite
• Drive periodic policy reviews and recalibration based on portfolio performance, market dynamics, and emerging risk trends, presenting recommendations to senior leadership
• Act as the final point of accountability for ensuring underwriting decisions remain consistent with regulatory guidelines and internal governance standards

Process Design & Optimization

• Architect and continuously reengineer end-to-end underwriting workflows to support efficiency, accuracy, and scale as the portfolio grows
• Set the standard for SOPs, checklists, and process documentation, ensuring consistent adoption across teams
• Partner closely with technology and product leadership to prioritize and drive automation and system enhancements in underwriting

Risk Identification & Mitigation

• Proactively identify emerging underwriting risks across products, channels, and customer segments before they materialize at scale
• Design and champion risk mitigation strategies and early-warning mechanisms across the underwriting lifecycle
• Build and continuously strengthen control mechanisms to minimize fraud incidents and credit losses

Portfolio Risk Assessment & Stress Analysis

• Lead periodic risk assessments and portfolio health reviews across products and vintages, owning the narrative on portfolio quality
• Design and run stress testing and scenario analysis to evaluate portfolio resilience under adverse conditions
• Convert assessment findings into concrete policy or process changes, and brief senior leadership on key risk shifts

Audit & Compliance

• Serve as the senior point of contact for internal and external auditors on all underwriting-related audits and reviews
• Own timely closure of audit observations and drive continuous strengthening of control frameworks
• Ensure full compliance with RBI/NBFC regulatory requirements and internal governance norms across the underwriting function

Training & Capability Building

• Set the capability-building agenda for the underwriting function, designing and facilitating training programs at scale
• Build, lead, and mentor a high-performing team of underwriters, setting the bar for performance and quality standards
• Own goal-setting, performance management, and succession planning for the underwriting team

Data Analytics & Reporting

• Leverage data analytics to monitor credit performance, delinquency trends, and portfolio quality at a strategic level
• Own the dashboards and MIS reporting suite that tracks key underwriting and risk metrics for the organization
• Present risk insights, trends, and strategic recommendations directly to senior leadership and key

Preferred candidate profile

• Strong analytical mindset with the ability to translate portfolio data into actionable risk insights
• Deep understanding of credit risk, fraud patterns, and control design in a lending environment
• Proven experience building or refining underwriting policies at scale
• Comfortable working cross-functionally with Risk, Compliance, Audit, and Business teams
• Demonstrated people leadership has managed or mentored a team previously
• Detail-oriented, process-driven, and comfortable operating in a fast-paced NBFC/fintech setting