Credit Underwriter - Unsecured Business Loans

About PayU

PayU, a leading payment and Fintech company in 50+ high-growth markets throughout Asia, Central and Eastern Europe, Latin America, the Middle East and Africa, part of Prosus group, one of the largest technology investors in the world is redefining the way people buy and sell online for our 300.000 + merchants and millions of consumers.

As a leading online payment service provider, we deploy more than 400 payment methods and PCI-certified platforms to process approximately 6 million payments every single day.

Thinking of becoming a PayUneer and you are curious to know more about us Read more about the life in PayU here

Role : Credit Underwriter

Location : Mumbai/Bangalore

About the role:

The Job involves developing the credit underwriting framework, credit administration process and manage credit approval, exception approvals, tracking of early defaults. Candidate is expected to ensure compliance with PayU credit policy, regulatory guidelines, market practice

What you'll be doing:

To develop the Credit Delivery Process, Verification and Early warning system for MSME segment by leveraging the Internal digital capabilities & FinTech ecosystem

Ensure adherence to Credit Policy and delegation of authorities

To have a sound knowledge of the lending practice and associated risk for MSME segment in Indian market across multiple geographies

To have a working knowledge of general legal and compliance framework for India market

Provide feedback for Credit Policy and Portfolio monitoring

What are we looking for

Chartered Accountant / MBA / PGDBA with 2-4 years' experience in Retail MSME Risk Experience in Bank/ NBFC industry

Credit Professional with rich experience in MSME Unsecured Loan Underwriting & Managing Risk Processes for Retail MSME segment across sectors and products

Prior experience in Credit approval process for Digital MSME Loans, Transaction data / Alternate data based Credit Model and Fintech partnership is necessary.

Implementation of Credit Score Model

Proficiency in managing Retail MSME credit risk

Strategic thinking

Excellent communicator

Relationship management

Negotiation and influencing

About Us

At PayU, we are a global fintech investor and our vision is to build a world without financial borders where everyone can prosper. We give people in high-growth markets the financial services and products they need to thrive. Our expertise in 18 high-growth markets enables us to extend the reach of financial services. This drives everything we do, from investing in technology entrepreneurs, to offering credit to underserved individuals, to helping merchants buy, sell and operate online. Being part of Prosus, one of the largest technology investors in the world, gives us the presence and expertise to make a real impact. Find out more

Our Commitment To Building A Diverse And Inclusive Workforce

As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive and safe environment, for all of our people, communities and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility and unbiased attention to each and every PayUneer so they can succeed, irrespective of gender, color or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities or the LGBTQ communities.

Full time