Sr. Analyst / Analyst – Credit Underwriting

  • Permanent
  • Pune
  • 1 month ago

Job Information

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    Salary ₹ 600000 - 1200000
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    No. of Openings 1 opening
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    Required Skills : merchant underwriting
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    Job Experience : 4 - 8 years
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    Job Qualifications Bachelor's Degree

Job Description

Analyst/Sr Analyst Data Science

About bluCognition:

bluCognition is an AI/ML based start-up specializing in risk analytics, data conversion and data enrichment capabilities. Founded in 2017, by some very named senior professionals from the financial services industry, the company is headquartered in the US, with the delivery centre based in Pune.

They build all their solutions while leveraging the latest technology stack in AI, ML and NLP combined with decades of experience in risk management at some of the largest financial services firms in the world. Their clients are some of the biggest and the most progressive names in the financial services industry.

They are entering a significant growth phase and are looking for individuals with entrepreneurial mindset who wants us to join in this exciting journey.

The Role:

You will work as Credit Underwriter on the merchant acquiring portfolio of a US based client, who is an industry leader and one of the most valued fintech globally.


1. The customers of the client (acquirer) are businesses that accept credit cards (merchants), and you will be required to conducting financial review of the high-risk accounts.

2. Analyze financial and bank statements to assess credit worthiness.

3. Ability to perform financial assessments (growth trends, efficiency ratios, cash flow generation, burn rate, debt levels, overall liquidity), interpreting financial performance, competition comparison, and assessing credit exposure.

4. Identify trends and validates potential larger impact to portfolio for further escalation.

5. Research the company information on the internet and gather all relevant information for the purpose of underwriting.

6. Evaluate the risk of default of the customers and work with the senior underwriters based in the USA to mitigate the risk.

7. Monitor and investigate merchants’ credit card processing activities using internal and external Risk monitoring tools .

8. Write a credit memo based on your analysis and provide a recommendation on the risk and mitigation measures.