Job Overview
| Particulars | Details |
|---|---|
| Position | Credit Manager – Underwriter (Credit Cards) |
| Company | AU Small Finance Bank (AU SFB) |
| Location | Jaipur, Rajasthan |
| Job Type | Full-Time |
| Experience | 2 - 6 years |
| Category / Department | Bank |
| Application Mode |
🏢 About AU Small Finance Bank (AU SFB)
Company Overview
AU Small Finance Bank (AU SFB) is India's largest Small Finance Bank and the first Small Finance Bank to receive in-principle approval from the Reserve Bank of India to transition into a Universal Bank. Founded in 1996, the bank has grown from a vehicle finance company into a leading retail banking institution focused on financial inclusion, customer-centric innovation, and technology-driven banking solutions.
Company Mission
To build one of India's largest and most admired retail banking franchises by delivering exceptional customer experiences, promoting financial inclusion, and maintaining the highest standards of integrity and innovation.
Company Vision
To become the world's most trusted retail bank and a preferred employer by empowering people, driving financial inclusion, and creating long-term value for customers and society.
Core Values
• Customer First
• Integrity
• Financial Inclusion
• Innovation
• Accountability
• Excellence
• Collaboration
What Makes AU Small Finance Bank Different
• India's largest Small Finance Bank.
• Strong focus on retail banking and financial inclusion.
• Technology-driven banking services.
• Customer-centric culture and responsible banking practices.
• Rapid growth with excellent career opportunities.
Leadership Philosophy
AU Small Finance Bank believes in empowering employees through innovation, ethical leadership, customer-centricity, and continuous learning while building a trusted financial institution for every Indian.
AU Small Finance Bank – Head Office
19-A, Dhuleshwar Garden,
Ajmer Road,
Jaipur – 302001, Rajasthan, India
💡 Editor's Note / Preparation Tip
📄 Resume Preparation Tips
• Highlight experience in credit underwriting and retail lending.
• Showcase expertise in CIBIL analysis and credit risk assessment.
• Include measurable achievements related to portfolio quality or turnaround time.
• Mention banking systems and financial tools you have used.
• Keep your resume ATS-friendly with relevant banking keywords.
🎯 Interview Preparation
• Revise credit underwriting principles and retail lending concepts.
• Prepare to explain CIBIL score analysis and bureau reports.
• Review RBI guidelines and banking compliance basics.
• Be ready to discuss risk assessment and credit decision case studies.
• Demonstrate strong analytical thinking and communication skills.
💡 Professional Tips
• Stay updated with the latest RBI regulations and credit policies.
• Strengthen your financial analysis and risk management skills.
• Develop expertise in digital lending and credit analytics.
• Focus on balancing customer experience with portfolio quality.
• Continuously improve decision-making through data-driven analysis.
📝 Job Description
💳 We're Hiring | Credit Manager – Underwriter (Credit Cards) | AU Small Finance Bank
Are you an experienced Credit Underwriting professional looking to advance your career in the banking sector? AU Small Finance Bank, India's largest Small Finance Bank, is hiring a Credit Manager – Underwriter (Credit Cards) for its Jaipur location. If you have expertise in retail lending, credit card underwriting, and credit risk assessment, this is an excellent opportunity to join one of India's fastest-growing retail banks.
📌 Position Details
Position: Credit Manager – Underwriter (Credit Cards)
Company: AU Small Finance Bank (AU SFB)
Location: Jaipur, Rajasthan
Work Mode: Work From Office
Experience: Experienced Candidates Preferred
Qualification: Bachelor's Degree in Finance, Commerce, Business Administration, Economics, or a related field (Preferred)
Employment Type: Full-Time
⭐ Preferred Skills
✔ Banking & Financial Services Experience
✔ Loan Underwriting Expertise
✔ MS Excel & Financial Reporting
✔ Regulatory Compliance Knowledge
✔ Strong Stakeholder Management
🎯 Candidate Requirements
• Relevant experience in credit underwriting or retail lending.
• Strong expertise in credit card underwriting.
• In-depth understanding of CIBIL reports and credit bureau data.
• Good knowledge of retail banking and credit risk management.
• Strong analytical, communication, and decision-making abilities.
• Self-motivated, detail-oriented, and proactive approach to work.
🌟 Why Join AU Small Finance Bank?
✅ Join India's largest Small Finance Bank.
✅ Be part of a trusted and rapidly growing retail banking institution.
✅ Work on impactful credit and risk management functions.
✅ Exposure to modern banking technologies and processes.
✅ Strong learning and career advancement opportunities.
✅ Collaborative and inclusive workplace culture.
✅ Opportunity to contribute to financial inclusion across India.
📩 How to Apply
Interested candidates can share their updated resumes at:
Know someone who would be a great fit? Tag them or share this opportunity with your network!
🎯 Key Responsibilities
- ✓ Evaluate and underwrite credit card applications.
- ✓ Analyze customer financial profiles and assess creditworthiness.
- ✓ Review CIBIL reports and other credit bureau data for informed decision-making.
- ✓ Ensure adherence to internal credit policies and regulatory guidelines.
- ✓ Maintain high portfolio quality through prudent credit evaluation.
- ✓ Deliver timely and accurate underwriting decisions.
- ✓ Identify potential credit risks and recommend appropriate actions.
- ✓ Collaborate with cross-functional teams to improve underwriting efficiency.
- ✓ Maintain proper documentation and compliance standards.
- ✓ Contribute to continuous improvement of underwriting processes.
💡 Required Qualifications & Skills
🚀 Career Guidance & Interview Insights
To help you succeed, we've compiled original preparation guides, resume keywords, and growth analytics for this category of role.
Joining as a Credit Manager – Underwriter (Credit Cards) offers a fantastic opportunity to work at the forefront of technological innovation. You will be exposed to modern software development lifecycles, collaborate with cross-functional product teams, and design scalable architectures that directly impact end-users. The continuous learning curve in tech ensures that your programming, debugging, and system engineering skills remain highly marketable and sharp.
The career roadmap in technology is highly rewarding. Typical progression starts as a Junior Software Engineer, moving to Associate Developer and then Senior Software Engineer (3-6 years). From there, professionals choose between an individual contributor track—becoming a Tech Lead, Staff Engineer, and Principal Architect—or a management track, advancing to Engineering Manager, Director of Engineering, and Chief Technology Officer (CTO).
Expected Technical & Behavioral Questions:
- Q1: How do you optimize database query performance?
Answer Tip: Talk about indexing strategies, query execution plan analysis, avoiding N+1 queries, and implementing caching layers (like Redis). - Q2: Explain the differences between Microservices and Monolithic architecture.
Answer Tip: Highlight scaling advantages, loose coupling, independent deployments, network latency considerations, and data consistency challenges in microservices. - Q3: How do you handle merge conflicts in Git?
Answer Tip: Explain checking out the local branch, pulling the latest main branch, running git merge, opening the conflicted files to resolve blocks manually, and committing the resolved merge.
To pass automated ATS (Applicant Tracking System) screening and catch the recruiter's eye, tailor your resume with the following tips:
- Keywords to include: Software Engineering, SDLC, OOP, CI/CD Pipelines, SQL databases, Agile, Unit Testing, Code Review, Cloud Architectures (AWS/Azure).
- Format: Use a clean, single-column resume format. Avoid graphics, text boxes, or tables which can scramble ATS parser outputs.
- Quantify Results: Instead of writing 'wrote code', write 'Developed a caching system that reduced server response times by 35%.'
Estimated compensation for this role type in India is ₹6,00,000 - ₹12,00,000 per annum (Mid level). The actual salary package offered depends on factors such as company size, work mode (remote or on-site), individual technical proficiency, and negotiations during final HR rounds.
Highly recommended certifications include: AWS Certified Solutions Architect, Microsoft Certified: Azure Fundamentals, Certified Kubernetes Administrator (CKA), Oracle Certified Professional Java SE, or tech-stack specific achievements (e.g. Meta Front-End Developer certification).
Frequently Asked Questions
Q1. Where is the job located?
Jaipur, Rajasthan.
Q2. Who can apply?
Experienced professionals with expertise in credit underwriting, particularly credit card underwriting.
Q3. What are the primary responsibilities?
Credit card underwriting, CIBIL analysis, credit risk evaluation, and policy compliance.
Q4. Which skills are mandatory?
Credit underwriting, retail lending, CIBIL analysis, analytical skills, and decision-making ability.
Q5. Is prior banking experience preferred?
Yes. Experience in retail banking, lending, or credit underwriting is highly preferred.
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