Credit Executive

The Credit Executive holds a crucial position in the credit evaluation and underwriting process for EV asset financing, specifically L3 e-rickshaws and lithium-ion batteries. Your responsibilities will include conducting comprehensive credit checks, evaluating risk profiles, verifying customer documentation, analyzing financial and non-financial data, and ensuring that all loans adhere to company policies and regulatory standards. This role is dedicated to serving individual drivers and fleet operators in urban and semi-urban markets. Your key responsibilities will involve: Credit Evaluation and CIBIL Checks: - Perform thorough credit assessments of loan applicants by scrutinizing their CIBIL score/report and other credit bureau data like Experian and CRIF. - Identify warning signs such as recent multiple loan applications, delinquency, or high EMI-to-income ratios. Document Verification and KYC: - Examine customer KYC documents such as Aadhaar, PAN, voter ID, and address proof. - Validate income proof, business ownership or employment details, and documents for informal or semi-formal income sources. - Review and confirm guarantor details and documents where necessary. Loan Approval and Compliance: - Ensure all credit decisions align with internal credit policies, product parameters, and risk tolerance. - Make recommendations for approval or rejection based on a comprehensive risk assessment. - Escalate borderline or high-risk cases to senior credit approvers or risk committees. Requirements: - Bachelor's degree in Finance, Commerce, Business Administration, or a related field. - Minimum of 3 years of experience in credit underwriting or loan processing, preferably in vehicle, EV, or asset financing. - Proficient knowledge in CIBIL and credit bureau reports, informal income assessment, and retail underwriting standards. - Familiarity with field verification, KYC norms, and documentation practices. - Detail-oriented with exceptional analytical and risk assessment skills. - Willingness to travel if required. Preferred Qualifications: - Experience in NBFCs or fintechs financing 2W/3W vehicles, EVs, or related sectors. - Understanding of low-income customer segments and Tier 2/3 lending environments. - Multilingual capabilities, particularly in regional or local dialects. - Exposure to underwriting non-prime or financially underserved customers.,