Credit Underwriter

About the role

We're looking for an experienced Underwriter based in Mumbai who thrives on challenges, values autonomy, and is passionate about finance that supports small businesses not just turning a profit. You'll be responsible for underwriting new finance proposals that protect and deliver value to Liberis, while enhancing our processes through your expertise. Reporting to the Senior Underwriting Manager, you'll combine technical and analytical skills to ensure data-driven decisions while staying within the organization's risk appetite. What you'll be doing Underwriting new and repeat business requests, evaluating multiple sources of data to make sound, rational decisions. Engaging directly with prospective customers to gather additional information and communicate approve/decline decisions clearly. Acting as a referral point for internal stakeholders, ensuring correct policies and procedures are consistently applied. Driving improvements in underwriting processes to maintain the right balance between customer experience and risk protection. Leveraging SQL, Python, GCP, and DBT to analyze financial data, automate workflows, and produce actionable insights. Using advanced Excel skills to model scenarios, interpret management accounts, cash flow statements, and assess credit risk. What we think you'll need 2+ years of experience in underwriting, preferably within small business finance. Strong analytical and problem-solving skills, with meticulous attention to detail. Deep understanding of financial statements, cash flow, and management accounts to assess affordability, sustainability, and credit risk. Proficiency in SQL, Python, Excel, GCP, and DBT for financial and operational analysis. Ability to make confident decisions and clearly articulate reasoning to colleagues and clients. Excellent verbal and written communication skills, capable of conveying complex findings logically and concisely. Ability to adapt and refocus in a fast-paced, growing environment.