Executive-Service
pointo
Underwriter - Credit & Risk
pointo· Credit & Risk
About this role
Underwriter Credit & Risk
Job Title: Underwriter – Credit & Risk
Company: Pointo (EV Battery Ecosystem)
Location: Barrackpore, Kolkata, West Bengal
CTC: As per company policy
About Pointo
Pointo is building India’s largest battery swapping and financing ecosystem for electric mobility. We enable EV adoption through smart financing, battery lifecycle management, and risk-controlled credit models.
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
Frequently Asked Questions
What is the salary for the Underwriter - Credit & Risk role at pointo?
The listed salary for this Underwriter - Credit & Risk position at pointo is INR 17K–20K. This is an FULL TIME role.
Where is the Underwriter - Credit & Risk position at pointo located?
This Underwriter - Credit & Risk role at pointo is based in Barrackpore, WB, India. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
Is the Underwriter - Credit & Risk role at pointo full-time or part-time?
This is listed as a FULL TIME position. It is posted as a Underwriter - Credit & Risk role in the Credit & Risk department at pointo.
Which team or department does the Underwriter - Credit & Risk at pointo belong to?
This Underwriter - Credit & Risk position is part of the Credit & Risk department at pointo. See the full job description for more information about the team structure and responsibilities.
How do I apply for the Underwriter - Credit & Risk position at pointo?
Click the "Apply Now" button on this page. You will be redirected to pointo's official application portal hosted on keka where you can submit your application directly.
When was the Underwriter - Credit & Risk job at pointo posted?
This Underwriter - Credit & Risk position at pointo was posted on Sep 7, 2026. Apply as soon as possible — early applications are often reviewed first.
Underwriter - Credit & Risk
pointo · 💰 INR 17K–20K
You'll be redirected to pointo's official application page on keka.