Credit Senior Associate

ProsParity · Tamil Nadu, India

Position: Credit Senior Associate- Two & Three -Wheeler Loan Underwriting

Location: Vashi, Navi Mumbai

Experience: 3 - 5 years (strictly within this band), specifically in underwriting two-wheeler

loans for NBFCs

Reporting To: Regional Credit Manager / Head - Credit

About the Role :

ProsParity (Etribe Finance Private Limited) is looking for an experienced Credit Senior

Associate to independently underwrite loans. The ideal candidate will have hands-on, NBFCspecific

two-wheeler and three-wheeler loan underwriting experience within the 3-5 years

band, strong Excel skills, and the ability to take independent credit decisions within defined

policy and delegation limits.

Key Responsibilities :

Independently underwrite loan applications end-to-end, from login to disbursement, in

line with the company's credit policy and risk appetite.

Conduct personal discussions (PD) and telephonic verification of applicants, coapplicants,

and guarantors to assess creditworthiness and intent to pay.

Evaluate income documents, bank statements, bureau reports (CIBIL/Experian/CRIF),

and other KYC/financial documents to arrive at a sound credit decision.

Carry out field/desktop verification coordination (residence, business, employment)

through the verification/FI agencies and validate reports received.

Assess dealer/showroom-level risk, vehicle valuation, and margin/LTV compliance for

each vehicle loan file.

Maintain and analyze underwriting data, portfolio quality (DPD buckets, vintage/cohort

trends), and prepare MIS/reports in Excel for management review.

Ensure adherence to RBI guidelines, internal credit policy, and DPDP Act/KYC-AML

norms in every file underwritten.

Coordinate with sales, operations, and collections teams at the branch to ensure

smooth login-to-disbursement turnaround time (TAT)

Flag early warning signals, fraud indicators, and policy deviations, and recommend

corrective action.

Support portfolio audits, RCU (risk containment unit) queries, and internal/statutory

audit requirements as needed.

Required Qualifications & Experience

3-5 years of experience (strictly within this band) in underwriting two-wheeler loans with

an NBFC (candidates outside this experience band will not be considered).

Proven track record of independent credit underwriting/decisioning - not merely fileprocessing

or sourcing support.

Strong working knowledge of MS Excel (V-lookups, pivot tables, basic formulas) for

portfolio tracking, MIS, and reporting.

Sound understanding of credit bureau reports, income assessment methods, and twowheeler

asset/dealer ecosystem.

Graduate degree in any discipline; a background in finance/commerce is preferred.

Willingness to work 6 days a week and travel locally within Bhopal and surrounding

markets as required.

Good communication skills in Hindi and English for applicant/dealer interactions.

Desired Attributes

High integrity and sound judgment in credit decision-making, with the ability to say "no"

to a bad file despite business pressure.

Comfortable working independently at a branch/location level with minimal

supervision.

Detail-oriented, process-driven, and comfortable with data/Excel-heavy reporting.

Preference for candidates with prior experience of working for IDFC First Bank, Capital

First Limited, Berar Finance and L&T Finance.

Familiarity with co-lending/DSA-sourced two-wheeler loan models is an added

advantage.

Interested Candidates please email their CV and below details to

Current CTC :

Notice Period :

Location :