8+ Underwriting Jobs in India
Apply to 8+ Underwriting Jobs on CutShort.io. Find your next job, effortlessly. Browse Underwriting Jobs and apply today!
Job Profile:-
- Appraising credit proposals and scrutinizing relevant documents prior to sanctioning and disbursement of pre owned car and ensuring compliance with organizational policies.
- Conducting comprehensive study of creditworthiness of individual clients by supervising data verification and field investigation activities.
- Evaluating financial statements of various clients and availing approval of quantum of credit considering all deviations as per policy.
- Interacting with the Field investigation FI and Risk Control Unit RCU agencies, visiting them regularly to resolve their queries, providing valuable feedback to enhance their report quality and ensure seamless execution of business operations.
- Conducted surprise visits to some customers to cross check the authenticity of the FI and RCU reports in turn avoiding fraud cases and minimizing the loses.
- Successfully maintained a Login to disbursement turn around time of 7days and a loan processing turn around time of 48 hours inclusive of FI and RCU process completion
- Pivotal in achieving minimal number of operational errors related to files disbursed.
- Implementing various trackers and reporting systems, preparing daily MIS and monthly branch reports for monitoring business performance.
- Successfully improved the branch profitability by constantly supervising the operations costs.
- Mentoring & motivating the CPA team force, imparting continuous on job training on various changes in the policy for accomplishing greater operational effectiveness.
- Conducting programmes to enhance efficiency in various business operations, setting up sales objectives and streamlining processes to ensure smooth functioning of sales and credit operations.
- Channel Management-Supervising management of files logged in through the alternate Channel as this is one of the most profit making product for the company.
- Implementing result oriented recovery plans, made Business development visits mandatory for high value disbursement rendering regular feedback to the collections team on portfolio performance
Job Profile:-
- Appraising credit proposals and scrutinizing relevant documents prior to sanctioning and disbursement of pre owned car and ensuring compliance with organizational policies.
- Conducting comprehensive study of creditworthiness of individual clients by supervising data verification and field investigation activities.
- Evaluating financial statements of various clients and availing approval of quantum of credit considering all deviations as per policy.
- Interacting with the Field investigation FI and Risk Control Unit RCU agencies, visiting them regularly to resolve their queries, providing valuable feedback to enhance their report quality and ensure seamless execution of business operations.
- Conducted surprise visits to some customers to cross check the authenticity of the FI and RCU reports in turn avoiding fraud cases and minimizing the loses.
- Successfully maintained a Login to disbursement turn around time of 7days and a loan processing turn around time of 48 hours inclusive of FI and RCU process completion
- Pivotal in achieving minimal number of operational errors related to files disbursed.
- Implementing various trackers and reporting systems, preparing daily MIS and monthly branch reports for monitoring business performance.
- Successfully improved the branch profitability by constantly supervising the operations costs.
- Mentoring & motivating the CPA team force, imparting continuous on job training on various changes in the policy for accomplishing greater operational effectiveness.
- Conducting programmes to enhance efficiency in various business operations, setting up sales objectives and streamlining processes to ensure smooth functioning of sales and credit operations.
- Channel Management-Supervising management of files logged in through the alternate Channel as this is one of the most profit making product for the company.
- Implementing result oriented recovery plans, made Business development visits mandatory for high value disbursement rendering regular feedback to the collections team on portfolio performance
Who we are:
At Qiro, we are a dynamic team united by a mission to foster a fair, transparent, and decentralized global lending market. Our focus lies in developing an institutional private credit protocol that seamlessly connects on-chain stablecoin lenders with off-chain fintech borrowers.
What are we looking for:
We are seeking a highly skilled and experienced Head of Credit to lead our credit department and drive our lending strategies. As the Head of Credit, you will be responsible for overseeing all aspects of credit underwriting, risk management, credit policy, ensuring that our lending practices align with regulatory requirements and industry best practices while maximizing profitability. The borrowers are NBFIs / NBFCs / Fintech lenders / Debt Funds spread across emerging economies like SEA, LATAM, etc.
Responsibilities:
- Head the Risk Policy, Credit Underwriting and Collection functions of NBFC / NBFI / Fintech lender / Debt fund from SEA, LATAM, etc.
- Facilitate the development and constant update of risk policies and related frameworks.
- Proactive risk assessment of existing portfolio on regular basis identifying weak accounts.
- Constantly monitor and evaluate Early Warning Signals and deploy/ amend the limits structure for managing the risk concentration across a broad range of parameters.
- Evaluating creditworthiness and financial stability of global borrowers such as NBFC / NBFI / Fintech Lenders / Debt Funds.
- Assessing risks in lending and making informed decisions.
- Maintaining up-to-date knowledge of lending regulations.
- Provide detailed monthly and weekly reporting for LPs, investors, and management.
- Build, review, update and maintain the Credit Policy.
Requirements:
- Minimum 7 years of experience in the Banking/NBFC/Fintech space with at least 3-4 years of experience at management level.
- Minimum Bachelor’s degree in finance, economics, or related field.
- Experience in credit analysis or underwriting of NBFCs / Fintech lenders / FIs
- Strong analytical and decision-making skills.
- Excellent communication and interpersonal abilities especially to manage global (mostly SEA & LATAM) FIs (NBFC / NBFI / Fintech Lender / Debt Fund)
- In depth knowledge of credit fund, hedge fund, debt fund, structured debt, corporate finance, and fintech lending.
- Strong understanding of regulatory requirements and compliance issues related to lending operations.
- Exceptional skills in understanding data, trend analysis, score cards and behavior scores is must
Nice to have:
- Excellent communication skills along with strong presentation and data analytics skills.
- Professional certifications such as CA, CFA, FRM, or similar credentials are a plus.
Benefits:
- Global exposure
- Intro to Decentralised Finance world
- Competitive salary and performance-based bonuses.
- Flexible remote work.
- Flexible working hours.
- Opportunities for professional development and career growth within a dynamic global fintech company.
Salary Range : 20 LPA to 35 LPA
Company Description
Apollo Finvest is a publicly listed Non-Banking Financial Company (NBFC). Think of us as AWS for Lending. We enable any company to offer fully digital and compliant digital loan products to their end customers. Built on modern Restful APIs, we treat the financial services on our platform as building blocks, which our partners can mix and match to create loan products specifically tailored to their business model.
Key Responsibilities
- Working closely with the Credit, Business, and Compliance team to manage and mitigate risk exposure.
- Monitoring of loan accounts, checking loan documents & timely preparing various MIS reports.
- Streamline operational processes to enhance efficiency.
- Ensure completeness of documentation in accordance with approved terms and conditions.
- Develop Risk and Operational strategy for line management, collections, underwriting, pricing etc.
- Assist COO and Credit team with operational and financial data analysis to establish early warning signals for risk exposure across lending products.
- Complying with RBI/Regulatory guidelines and establishing processes to safeguard risk exposure
Minimum Requirements
- Proven experience of minimum 5 years in progressively responsible risk and/or operations roles within the NBFC sector
- Has experience with scaling and managing lending products
- Attitude to work at lightning fast speed
- Background of underwriting, credit sanctioning, or credit policy drafting would be given a strong preference
- The candidate must be exceptional in people management, communication, and presentation skills.
- A proven track record of managing partners and engaging in solution selling would be preferred
- Highly organized and efficient, with the ability to multitask and meet tight deadlines
A strong work ethic and a result-oriented approach
*The CTC range exceeds to what is shown in the job description*
Purpose
· The Analytics and BI Head will collaborate closely with leaders across product, sales, and marketing to support and implement high-quality, data-driven decisions.
· The candidate will ensure data accuracy and consistent reporting by designing optimal processes and procedures for analytical managers and employees to create and follow.
· The candidate will manage the processes and people responsible for correct data reporting, modeling, and analysis.
Key Responsibilities
Responsibilities will include but will not be restricted to:
· Lead cross-functional projects involving advanced data modeling and analysis techniques and review insights that will guide strategic decisions and uncover optimization opportunities.
· Managing project budgets and financials, including forecasting, monitoring, and reporting.
· Providing clear and concise instructions to different teams to ensure quality delivery of analysis.
· Maintain dashboards and performance metrics support that support key business decisions.
· Planning and executing strategies for completing projects on time.
· Determining the need for training and talent development.
· Recruit, train, develop and supervise managerial level employees.
· Examine, interpret, and report results of analytical initiatives to stakeholders in leadership, technology, sales, marketing, and product teams.
· Oversee the deliverable pipeline, including rationalization, de-duplication, and prioritization.
· Anticipate future demands of initiatives related to people, technology, budget and business across the departments and review solutions to meet these needs.
· Communicate results and business impacts of insight initiatives to stakeholders within and outside of the company.
Technical Requirements (what)
· Advanced knowledge of data analysis and modeling principles: KPI Tree creation, Reporting best practices, predictive analytics, statistical and ML based modeling techniques
· Work Experience of 20+ years in analytics inclusive of 5+ years of experience of leading a team. Candidates from Insurance Industry are preferred.
· Understanding of and experience using analytical concepts and statistical techniques: hypothesis development, designing tests/experiments, analyzing data, drawing conclusions, and developing actionable recommendations for business units.
· Strong problem solving, quantitative and analytical abilities.
· Strong ability to plan and manage numerous processes, people, and projects simultaneously.
· The right candidate will also be proficient and experienced with the following tools/programs:
§ Experience with working on big data environments: Teradata, Aster, Hadoop.
§ Experience with testing tools such as Adobe Test & Target.
§ Experience with data visualization tools: Tableau, Raw, chart.js.
§ Experience with Adobe Analytics and other analytics tools.
Desired Personal Qualities or Behavior
· Strong leadership qualities, ability to communicate the vision crisply and drive collaboration and innovation.
· Must be an initiative-taker.
· Strong diligence, organizational skills, and the ability to manage multiple projects
· Strong written and verbal communication skills, able to communicate effectively and in a professional manner with all levels of the company and outside vendors.
· Ability to work in a diverse team environment and effectively support the demanding needs of the company.
· Ability to work under pressure, meet deadlines with shifting priorities.
Overview:
The Risk Manager will oversee the organization's risk management program, assessing and identifying risks that could impede the reputation, safety, security, or financial success of the organization.
Key Responsibilities:
- Designing and managing the consumers' credit portfolio and risk within the desired target
- Driving new experiments with deeper cust understanding and segmentation
- Leverage traditional and alternate data to create risk policies and ensure effective implementation
- Continuously plans, monitors, and reviews risk management and perform regular checking and/or surveillance to ensure that risk treatment is effective
- Establish, implement and manage risk policy and control frameworks, ensuring that minimum standards, ownership and operation are documented and communicated across the Group
- Manage a governance structure to monitor, challenge and test business compliance with risk policies and control frameworks
- Develop, lead and maintain a center of expertise within 1st line risk management
- Maintain comprehensive credit policy inventory and facilitate timely periodic review/approval of credit policies
- Monitor and communicate new regulatory issues/guidance impacting credit policy, analyze the impact, interpret and implement into policy
Education and Experience:
- Bachelor's degree in Risk Management, Finance, or related field required.
- At least 7+ of related experience is preferred.
- Strong knowledge and experience in risk management and policy
- Excellent verbal and written communication skills.
- Excellent mathematical and critical thinking skills.
- Excellent analytical and problem-solving skills.
- Excellent organizational skills and attention to detail.
- Strong supervisory and leadership skills
· Minimum having 2-10 years of experience in Fire, Engineering, Marine & Liability underwriting.
· Good in Excel, outlook , ppt
· He/she should be able to prepare quotes at own. Must be having market updates about ratings and excess
· Should be able to handle independently as well as guide team
· Good communication skills
· Preferred- Graduates in any stream with III qualifications
Data AnalyticsOur client is a vertical fintech play focused on solving industry-specific financing gaps in the food sector through the application of data. The platform provides skin-in-the-game growth capital to much-loved F&B brands. Founded in 2019, they're VC funded and based out of Singapore and India-Bangalore.
Founders are the alumnus of IIT-D, IIM-B and Wharton. They have 12+ years of experience as Venture capital and corporate entrepreneurship at DFJ, Vertex, InMobi, VP at Snyder UAE, investment banking at Unitus Capital - leading the financial services practice, and institutional equities at Kotak. They've a team of high-quality professionals coming together for this mission to disrupt the convention.
As a Data Analyst - Underwriting & Risk, you will be developing a first of its kind risk engine for revenue-based financing in India and automating investment appraisals for the company's different revenue-based financing products
What you will do:
- Identifying alternate data sources beyond financial statements and implementing them as a part of assessment criteria.
- Automating appraisal mechanisms for all newly launched products and revisiting the same for an existing product.
- Back-testing investment appraisal models at regular intervals to improve the same.
- Complementing appraisals with portfolio data analysis and portfolio monitoring at regular intervals.
- Working closely with the business and the technology team to ensure the portfolio is performing as per internal benchmarks and that relevant checks are put in place at various stages of the investment lifecycle.
- Identifying relevant sub-sector criteria to score and rating investment opportunities internally.
What you need to have:
- Bachelor’s degree with relevant work experience of at least 3 years with CA/MBA (mandatory).
- Experience in working in lending/investing fintech (mandatory).
- Strong Excel skills (mandatory).
- Previous experience in credit rating or credit scoring or investment analysis (preferred).
- Prior exposure to working on data-led models on payment gateways or accounting systems (preferred).
- Proficiency in data analysis (preferred)
- Good verbal and written skills.
Follow Cutshort