About the role

Job Title

Corporate Credit Card Underwriting Manager

Department

Credit Risk / Retail & Corporate Banking

Location

Jaipur

Reporting To

National Credit Manager- Retail & Corporate Cards

Role Objective

The Corporate Credit Card Underwriting Manager is responsible for independently evaluating, approving, and managing credit exposure for corporate and SME credit card portfolios. The role ensures prudent risk assessment, policy adherence, portfolio quality maintenance, and supports business growth through effective credit decisioning.

Key Responsibilities

1. Credit Assessment & Underwriting

Evaluate credit proposals for Corporate / SME Credit Cards , including individual and pooled limits.
Analyze financial statements, bank statements, cash flows, business profiles, and credit bureau data.
Assess promoter/director profiles, business stability, industry risk, and organizational structure.
Recommend and approve credit limits, pricing, and risk mitigants within delegated authority.

2. Policy & Risk Governance

Ensure underwriting decisions comply with internal credit policies, risk appetite, and regulatory guidelines.
Identify policy deviations and escalate to appropriate approval forums.
Support policy reviews and enhancements based on portfolio performance and emerging risks.

3. Portfolio Monitoring & Quality Control

Monitor portfolio health indicators such as delinquencies, utilization, vintage trends, and early warning signals .
Review high-risk exposures and recommend corrective actions or limit rationalization.
Participate in periodic portfolio reviews and management reporting.

4. Stakeholder Management

Liaise with Sales, Product, Operations, and Collections teams for smooth onboarding and lifecycle management.
Provide underwriting clarifications, credit rationale, and decision support to internal stakeholders.
Handle escalations related to credit decisions or large exposures.

5. Process Improvement & Productivity

Drive underwriting efficiency through process improvements and automation initiatives.
Contribute to SOP creation and continuous process refinement.
Support audits, risk reviews, and internal/external inspections.

6. Team Management (if applicable)

Manage and mentor a team of underwriters.
Conduct quality checks on underwriting decisions and ensure consistency.
Support training programs and skill development initiatives.

Key Skills & Competencies

Technical Skills

Strong understanding of corporate/SME credit analysis and financial ratio interpretation.
Knowledge of credit bureau reports, GST data, banking trends, and card risk metrics .
Familiarity with RBI guidelines related to credit cards and unsecured lending.
Proficiency in MS Excel, underwriting tools, and credit decision systems.

Behavioural Competencies

Strong analytical and risk judgment skills.
High attention to detail and documentation quality.
Ability to balance business growth with risk controls.
Excellent communication and stakeholder management skills.

Educational Qualifications

Chartered Accountant (CA) / MBA (Finance) / CFA
Graduation in Commerce, Finance, or Economics preferred

Experience

8–12 years of experience in credit underwriting or risk management
Minimum 3–5 years specifically in Corporate / SME Credit Cards or Unsecured Business Lending
Prior experience in banking or NBFC environment preferred

Key Performance Indicators (KPIs)

Portfolio delinquency and loss rates
Approval TAT adherence
Policy compliance and audit observations
Quality of credit decisions and early delinquency performance
Contribution to portfolio growth within risk appetite