Credit Underwriter

Job Title: Underwriter – Credit & Risk

Company: Pointo (EV Battery Ecosystem)

Location: Barrackpore, Kolkata, West Bengal

CTC: As per company policy

Role Overview

We are looking for a detail-oriented and analytical Underwriter – Credit & Risk who will assess borrower profiles, evaluate creditworthiness, and support scalable lending decisions within the EV ecosystem.

A critical requirement for this role is strong proficiency in Hindi (spoken, written, and comprehension) to effectively evaluate customer interactions, field inputs, and regional documentation.

Key Responsibilities

Credit Assessment & Underwriting

• Evaluate loan applications for EV battery financing and leasing products
• Analyze customer profiles including income, cash flow, bureau reports, and business stability
• Conduct risk-based decisioning aligned with company policies

Risk Evaluation & Control

• Identify potential credit risks and flag high-risk profiles
• Develop and implement underwriting frameworks for new customer segments
• Maintain portfolio quality by ensuring prudent lending decisions

Documentation & Verification

• Review KYC and financial documents (many cases in Hindi/regional format)
• Coordinate with field teams for validation and discrepancy resolution
• Ensure compliance with internal policies and regulatory requirements

Stakeholder Coordination

• Work closely with sales, operations, and collections teams
• Support faster TAT while maintaining risk discipline
• Provide feedback loops to improve sourcing quality

Data & Reporting

• Maintain underwriting logs and decision records
• Track approval/rejection trends and recommend improvements
• Assist in portfolio monitoring and early risk identification

Mandatory Requirement (Critical)

• Fluency in Hindi (Speak, Read, Write, Understand) – mandatory
• Ability to interpret Hindi documents, customer communication, and field reports

Qualifications & Experience

• Bachelor’s degree in Finance, Commerce, Economics, or related field
• 2–5 years of experience in credit underwriting / risk assessment / NBFC / fintech / lending
• Experience in EV financing, vehicle loans, MSME lending, or asset-based lending is preferred

Skills Required

• Strong analytical and decision-making skills
• Understanding of credit bureau reports (CIBIL, Experian, etc.)
• Risk assessment and fraud detection mindset
• Attention to detail and documentation accuracy
• Proficiency in MS Excel / Google Sheets
• Ability to work in a fast-paced, high-growth startup environment

Preferred Profile

• Experience in field-heavy or semi-urban/rural lending models
• Familiarity with North & East India market dynamics
• Prior experience handling Hindi-speaking customer base

Why Join Pointo?

• Be part of India’s fast-growing EV & battery financing ecosystem
• Opportunity to build scalable credit models from the ground up
• High-impact role with strong learning and growth opportunities