• Assessment of credit parameters of Small time manufacturers / traders as per the laid down credit program parameter while onboarding them as borrower • Input of scoring parameters to arrive at the credit decision and recommend for deviations if any. Proactively suggest finetuning of the scoring norms if any. • Well versed in analysing the KYC, banking data, bureau data and GST data • To have personal discussion with the traders / retailers / borrowers • At least 2 years experience in underwriting role, with prior experience in business loans / working capital loans / Supply chain finance • Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Bank or NBFC • Maintenance of MIS • To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency