Credit Manager / Credit Analyst | FlexiP2P
Send your resume and a cover letter to contact@fincsquare.com
Details
Role: Social Media Strategist
Skill: Digital Marketing & Brand Strategy
Experience: 2+ years
Location: Mumbai – Onsite
Key Responsibilities
- Evaluate and underwrite loan applications as per FlexiP2P’s credit policies and risk framework.
- Conduct in-depth financial analysis of borrowers, including individuals and small businesses, to assess creditworthiness.
- Maintain quality control, policy/process adherence, and compliance with RBI and regulatory guidelines for P2P lending.
- Regularly review and update credit approval policies and guidelines based on market trends and risk parameters.
- Develop and implement an effective early warning system for loan default prevention and fraud detection.
- Optimize the credit decisioning process by leveraging digital lending technologies, AI-based underwriting, and alternative credit scoring models.
- Work closely with product, legal, and compliance teams to ensure seamless loan disbursal and repayment tracking.
- Ensure underwriting turnaround time (TAT) is optimized to provide a superior borrower experience.
- Monitor post-disbursement documentation (PDD) and portfolio health, ensuring minimal delinquencies and risk exposure.
- Address internal and external audit queries and ensure timely resolution of credit-related concerns.
Key Skills Requirement – Must Have
- Strong understanding of P2P lending models, digital lending, and fintech-based underwriting practices.
- Hands-on experience in credit analysis and underwriting of unsecured loans, MSME loans, or personal loans.
- Proficiency in financial statement analysis, credit risk assessment, and regulatory compliance.
- Ability to interpret alternative data sources for credit evaluation in digital lending environments.
- Strong analytical and problem-solving skills with a detail-oriented mindset.
- Proficiency in credit scoring techniques, early warning signals, and fraud prevention mechanisms.
- Good interpersonal skills for engaging with multiple stakeholders, including investors, borrowers, and compliance teams
Key Skills Requirement – Good to Have
- Exposure to AI-driven risk assessment models in lending.
- Experience working with credit bureaus, alternate data sources, and digital KYC processes.
- Knowledge of regulatory norms related to P2P lending, RBI guidelines, and digital credit risk management.
- Strong critical thinking and decision-making capabilities.
Benefits
- Competitive salary as per industry standards, along with performance-based bonuses.
- ESOPs for wealth-building opportunities in a high-growth fintech startup.
- Opportunity to work with an experienced team in digital lending and financial technology.
- Balanced work environment with growth-oriented career opportunities.