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A typical day for you will include:

• Analysing credit data, bank statements, financial statements and other data sources to determine the level of risk involved in lending.

• Conducting thorough due diligence to ensure affordability of credit in line with internal policy.

• Understanding and accurately capturing the specific revenue and risk drivers for SMEs.

• Being actively involved in improving the decision making framework, through developments to our systems and processes.

• Communicating effectively with our UK Based Onboarding and Account Management teams to ensure customer needs are met at all times.

• Working closely with the UK-based manual credit analysis team, as well as the team of data scientists who manage and refine our automated decision engine, in order to improve our overall decisioning capabilities.

• Some direct contact with our customers via phone and email to discuss their business and needs for finance. 

We look for people that are smart, humble, motivated and who are always looking to improve. Ideally, you’ll have:

• 2-5 years experience in commercial loan underwriting, credit sanctioning or credit analysis. A focus on SMEs as well as experience in a top tier bank (e.g. HDFC, SBI, ICICI, Axis) is desirable. Chartered Accountants without underwriting experience are also of interest. 

• Strong business acumen and a working understanding of what makes a good business good.

• A good understanding of how businesses operate, including their main risk and revenue drivers.

• The ability to interpret financial statements to evaluate business performance.

• An analytical mindset with a practical approach to problem solving.

• A confident and enthusiastic attitude that works well in a regularly changing and fast paced environment.

• Excellent written and verbal English skills, in order to engage effectively with teams in the UK on a daily basis.