<p><strong>What role you will play in team:</strong> You will be a key member of the credit risk underwriting team, evaluating loan applications and mitigating risk for Bajaj Finserv's consumer lending portfolio.  Your assessments will directly impact the company's lending decisions.</p><p><strong>What you will do:</strong> You will analyze financial data, credit reports, and other relevant information to assess the creditworthiness of applicants. You will also work to improve credit risk assessment processes.</p><p><strong>Key responsibility:</strong><ul><li>Analyze credit applications and supporting documentation to assess risk.</li><li>Evaluate applicant's credit history, income, and assets to determine creditworthiness.</li><li>Develop and maintain credit risk scoring models and guidelines.</li><li>Monitor portfolio performance and identify areas for improvement in risk management.</li><li>Collaborate with other departments to ensure smooth loan processing.</li><li>Maintain accurate and up-to-date records of all credit applications and decisions.</li><li>Comply with all applicable regulatory requirements and internal policies.</li></ul></p><p><strong>Required Qualification and Skills:</strong><ul><li>Bachelor's degree in finance, economics, or a related field.</li><li>Proven experience in credit risk assessment or a related field.</li><li>Knowledge of credit scoring models and techniques.</li><li>Strong analytical and problem-solving skills.</li><li>Excellent communication and interpersonal skills.</li><li>Proficiency in MS Office, especially Excel.</li></ul></p><p><strong>Benefits Included:</strong><ul><li>Competitive salary and benefits package.</li><li>Opportunities for professional growth and development.</li><li>Positive and collaborative work environment.</li><li>Medical insurance.</li><li>Paid time off.</li></ul></p><p><strong>A Day in the Life:</strong> A typical day involves reviewing credit applications, analyzing financial data, and making creditworthiness determinations. You will also work with other team members to resolve any outstanding issues.</p>