Credit Manager

About the Company:

At WeCredit, we partner with heading NBFCs to help Customers find the best online financial solutions, including quick and hassle-free loans. Our skilled team provides assistance every step of the way, from Completing your loan documents to ensuring fast disbursal of funds.

About The Role:

We are looking for a detail-oriented and analytical Credit Underwriter to join our Credit & Risk team. The ideal candidate will assess loan applications, evaluate creditworthiness, and make informed decisions that align with the company’s risk appetite and business goals.

Key Responsibilities:

• Review and analyze loan applications, financial documents, and credit reports

• Assess applicant risk by evaluating income, liabilities, employment, and repayment capacity

• Make clear, data-driven underwriting decisions within defined turnaround times

• Ensure compliance with internal policies, regulatory norms, and credit risk standards

• Collaborate with sales, collections, and operations teams to ensure seamless customer journeys

• Continuously refine underwriting criteria based on performance and market trends

• Document decisions and maintain accurate underwriting records

Qualifications:

• Bachelor’s degree in Finance, Economics, Business, or related field

• 1–3 years of experience in credit underwriting, preferably in NBFCs or fintech companies

• Strong understanding of credit risk, financial ratios, and lending practices

• Proficiency in MS Excel and credit scoring tools

• High attention to detail and strong analytical skills

• Ability to work independently and make sound judgments

• Experience in underwriting Personal loans or digital lending platforms (Preferred)

Job Type: Full-time

Schedule:

• Day shift

Ability to commute/relocate:

• Delhi, Delhi: Reliably commute or planning to relocate before starting work (Preferred)

Application Question(s):

• Current CTC? (Annual)
• Expected CTC? (Annual)
• Notice Period? (In Days)
• Have you previously handled underwriting for personal loans?

Experience:

• Underwriting: 1 year (Required)

Work Location: In person