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
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