Credit Underwriter

Job Description

About Liberis

Liberis was founded and is backed by Blenheim Chalcot.

Liberis is on a mission to supercharge the power of small businesses around the world by delivering the financial products they need to grow, through our global network of partners. Before all else, Liberis is a technology company, connecting finance with small businesses. We use data to help partners understand their customers’ real-time needs and build technology that enables partners to offer tailored funding and financial products. To date, we’ve funded almost 50,000 small businesses with over $2bn - but we believe this is just the beginning.

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.

Qualifications

• Bachelor’s degree in Finance, Economics, or a quantitative field; Master’s degree is a plus.
• Demonstrable experience in data analytics and process improvement within underwriting.

Liberis is an equal opportunities employer. We welcome applications from all candidates, including individuals with disabilities and provide reasonable adjustments as required.