Deputy Manager - Credit (DBL Underwriting)

Job Title: Deputy Manager – Credit (Digital Business Loans)

About the Role

We are seeking a detail-oriented and analytical Deputy Manager – Credit (Digital Business Loans) to support and manage credit underwriting activities for our digital lending business. This role is responsible for evaluating business loan applications, assessing creditworthiness, analyzing financial and non-financial information, and ensuring sound credit decisions while maintaining portfolio quality and business growth objectives.

The ideal candidate will have strong expertise in SME/MSME lending, digital credit assessment, risk evaluation, and data-driven underwriting. The candidate will work closely with business, operations, risk, technology, and collections teams to build scalable credit processes and deliver efficient lending solutions.

What You'll Do

Credit Assessment & Underwriting

• Evaluate and underwrite digital business loan applications based on credit policies, risk frameworks, and lending guidelines.
• Analyze borrower profiles, financial statements, banking transactions, bureau reports, GST data, income details, and other relevant data points.
• Assess creditworthiness of MSME and business loan applicants and recommend appropriate credit decisions.
• Perform risk assessment for new loan applications while balancing business growth and portfolio quality.
• Ensure accurate evaluation of customer eligibility, repayment capacity, and overall risk profile.

Digital Lending & Data-Driven Credit

• Analyze digital credit applications using automated decisioning platforms, credit models, and alternative data sources.
• Leverage data insights to improve credit evaluation accuracy and turnaround time.
• Work with technology and analytics teams to enhance credit workflows, scorecards, and underwriting models.
• Identify opportunities to improve automation and reduce manual intervention in credit processes.

Credit Policy & Risk Management

• Ensure underwriting decisions are aligned with organizational credit policies, risk appetite, and regulatory requirements.
• Identify potential credit risks and recommend appropriate mitigation measures.
• Provide inputs for improving credit policies, underwriting frameworks, and approval processes.
• Monitor portfolio trends and identify early warning indicators.

Loan Processing & Stakeholder Collaboration

• Review loan applications, documentation, and verification reports to ensure completeness and accuracy.
• Collaborate with sales, operations, fraud, risk, and compliance teams for seamless loan processing.
• Resolve credit-related queries and support business teams with credit recommendations.
• Ensure adherence to defined turnaround times (TAT) and service-level agreements (SLAs).

Portfolio Monitoring & Analytics

• Monitor portfolio performance, delinquency trends, and credit quality metrics.
• Analyze approval rates, rejection trends, customer segments, and risk indicators.
• Provide insights to improve portfolio performance and minimize credit losses.
• Support periodic credit reviews and portfolio health assessments.

Compliance & Documentation

• Ensure compliance with internal policies, regulatory guidelines, KYC, AML, and lending standards.
• Maintain accurate credit documentation and audit readiness.
• Support internal and external audits related to credit processes.
• Ensure all credit decisions are properly documented with clear rationale.

What We're Looking For

Educational Background

• Bachelor's degree in Finance, Commerce, Economics, Business Administration, or a related field.
• MBA/PGDM in Finance or Banking preferred.

Professional Experience

• 3-6 years of experience in Credit Underwriting, SME/MSME Lending, Business Loans, or Digital Lending.
• Hands-on experience in evaluating business loan applications and making credit recommendations.
• Experience working with digital lending platforms, LOS systems, and credit decisioning workflows.
• Strong understanding of MSME/business lending products and borrower assessment.

Credit & Risk Expertise

• Strong understanding of financial statement analysis, cash flow assessment, banking analysis, and bureau evaluation.
• Knowledge of credit risk principles, lending practices, and underwriting methodologies.
• Ability to identify risks and make data-driven credit decisions.
• Understanding of fraud risk indicators and credit monitoring practices.

Nice to Have

Digital Lending & Analytics

• Experience in fintech lending, digital NBFCs, or technology-driven lending platforms.
• Familiarity with automated underwriting models, rule engines, and credit scorecards.
• Experience working with alternative data sources for credit assessment.
• Knowledge of AI/ML-based credit risk models is an advantage.

Tools & Systems

• Experience with Loan Origination Systems (LOS) and Loan Management Systems (LMS).
• Proficiency in MS Excel, SQL, Power BI, or analytics tools.
• Familiarity with credit bureau platforms and banking analysis tools.

Leadership & Collaboration

• Ability to mentor junior credit analysts and support team capability building.
• Strong communication and stakeholder management skills.
• Ability to work in a fast-paced, high-growth digital lending environment.

Tools & Technologies

• Credit Platforms: Loan Origination System (LOS), Loan Management System (LMS), Credit Decision Engines
• Analytics: Excel, SQL, Power BI, Tableau
• Data Sources: Credit Bureau Reports, GST Data, Banking Data, Financial Statements
• Workflow Tools: Jira, CRM Platforms, Digital Lending Platforms
• Collaboration: Microsoft Office, Teams, Google Workspace

Why You'll Love Working With Us

• Opportunity to shape credit strategies for a fast-growing digital lending business.
• Work on innovative lending solutions powered by technology and data.
• Exposure to digital underwriting, automation, and analytics-driven credit decisions.
• Collaborative environment with business, risk, technology, and operations teams.
• Continuous learning and career growth opportunities.
• Competitive compensation and benefits.

Role Details

Position: Deputy Manager – Credit (Digital Business Loans)

Employment Type: Full-Time

Experience Level: Mid-Level (3–6 Years)

Location: Bengaluru, On-site

Recruitment Fraud Warning & Disclaimer

KreditBee is committed to maintaining a transparent, fair, and secure recruitment process. We have become aware of fraudulent individuals and entities falsely claiming to represent KreditBee and offering fake employment opportunities.

Please note that KreditBee never asks candidates to pay any money for registration, training, certifications, security deposits, or any other purpose at any stage of the recruitment process. All official recruitment communications are sent through verified company email domains, primarily @kreditbee.in, @krazybee.com, and @kbnbfc.in. Candidates are advised to verify the sender's email address before responding to any recruitment-related communication. KreditBee does not conduct recruitment through unofficial email addresses or request payments.

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Disclaimer: KreditBee shall not be responsible for any loss, damage, or claims arising from fraudulent job offers or recruitment communications made by unauthorized individuals or entities falsely representing the company. Candidates should exercise due diligence and verify the authenticity of all recruitment-related communications before taking any action.

This job description is intended to outline the general nature and key responsibilities of the position. It is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the role. The responsibilities and qualifications described may be subject to change, and other duties may be assigned as needed. Employment is at-will, meaning the employee or the employer may terminate the employment relationship at any time, with or without cause, and with or without notice.

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