Credit Underwriting-Management Trainee/Assistant Manager

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Genpact (NYSE: G) is an advanced technology services and solutions company that delivers lasting value for leading enterprises globally. Through our deep business knowledge, operational excellence, and cutting-edge solutions – we help companies across industries get ahead and stay ahead. Powered by curiosity, courage, and innovation, our teams implement data, technology, and AI to create tomorrow, today.

Get to know and on LinkedIn, X, YouTube, and Facebook. Inviting applications for the role of Credit Underwriter -Management Trainee/Assistant Manager Our vision is to power the small business economy with innovative credit and payment solutions. We offer fast and incredibly intuitive access to business credit, unlocking the potential of small businesses by giving them financial agility and peace of mind.

We need outstanding people to help us achieve our goals. The Credit Team owns underwriting, pricing, loan performance, and collections, and has direct customer-level P&L responsibility. The team drives lending margins by making important business decisions and leverages data and analytics to develop policies and pricing.

The Senior Credit Underwriter works within the Credit Team to advance innovative ways to evaluate credit at a growing fintech, and applies those methods to assess the risk of extending credit to small businesses. This role is responsible for executing underwriting functions, making credit decisions for individual businesses — both new applicants and existing customers — and helping shape the policies that govern them. Responsibilities : Make end-to-end underwriting decisions for new customers at application and for existing customers being considered for credit line increases, extended terms, or portfolio risk review — producing a clear approve, decline, withdraw, or incomplete outcome.

Interpret bank transaction data to evaluate cash flow health, average and daily balance trends, NSFs and overdrafts, existing loan and merchant cash advance obligations, debt stacking patterns, and observed debt service. Partner with the Fraud team on elevated-risk indicators, including third-party fraud scores, identity or entity mismatches, and higher-dollar approvals, escalating promptly and incorporating findings into the final decision. Proactively and independently manage an underwriting pipeline through the company’s internal underwriting and loan management systems, keeping files, notes, and decisions well organized and auditable.

Perform thorough analysis of financial documentation, personal and business tax returns, bank statements, financial statements, and consumer and business credit reports, to assess creditworthiness and determine appropriate line size. Apply the company’s risk-factor framework, covering bank health, personal credit, existing debt service, payment history, and overdraft activity, to arrive at an overall risk rating and a final approved credit limit. Verify each applicant through external sources, including Secretary of State business registrations, corporate records databases, ownership confirmation, and general web and social presence, to validate that the business is real, active, and in good standing.

Qualifications Bachelor’s degree required; concentration in a business-related field such as Finance, Accounting, or Economics is preferred. Must have: Demonstrated ability to analyze bank statements, financial statements, and consumer and business credit reports, and to synthesize them into a clear credit narrative. At least 3 years of professional underwriting experience in small business lending; experience with line-of-credit, term loan, merchant cash advance, or invoice-based products is strongly preferred.

Strong working knowledge of small business credit risk, including cash flow analysis, debt service coverage, debt stacking, merchant cash advance concentration, customer concentration, and industry-specific risk signals. Excellent written and verbal communication skills, with the ability to present financial information and credit decisions clearly to customers, leadership, and partners. Ability to work independently, own an end-to-end pipeline, and deliver under regulatory time constraints in a fast-paced fintech environment.

Nice to have: ● Experience with partner-channel or embedded-finance origination flows, including pre-qualification, pre-approval, and white-label lending. ● Familiarity with portfolio management programs such as automated credit line increases, line decreases, and risk mitigation or remediation programs. Why join Genpact? • Be a transformation leader – Work at the cutting edge of AI, automation, and digital innovation • Make an impact – Drive change for global enterprises and solve business challenges that matter • Accelerate your career — Get hands-on experience, mentorship, and continuous learning opportunities • Work with the best – Join 140,000+ bold thinkers and problem-solvers who push boundaries every day • Thrive in a values-driven culture – Our courage, curiosity, and incisiveness - built on a foundation of integrity and inclusion - allow your ideas to fuel progress Come join the tech shapers and growth makers at Genpact and take your career in the only direction that matters: Up. Let’s build tomorrow together.

Genpact is an Equal Opportunity Employer and considers applicants for all positions without regard to race, color, religion or belief, sex, age, national origin, citizenship status, marital status, military/veteran status, genetic information, sexual orientation, gender identity, physical or mental disability or any other characteristic protected by applicable laws. Genpact is committed to creating a dynamic work environment that values respect and integrity, customer focus, and innovation. Furthermore, please do note that Genpact does not charge fees to process job applications and applicants are not required to pay to participate in our hiring process in any other way.

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