AI Credit Decisioning & Underwriting Analyst (Chennai)

- Santriya Technologies is seeking an AI Credit Decisioning & Underwriting Analyst to assess consumer or business credit applications using approved automated decisioning, risk models and documented underwriting policy, providing human review for exceptions and complex cases. - Product & documentation operating model: You will be assigned one or more company products, client solutions or operational services. - The approved product documentation, SOPs, policies, process maps, knowledge articles, release notes, controls, scripts and AI runbooks are the source of truth. - Use only approved enterprise AI tools to retrieve, summarize, draft, classify, prioritize or automate work. - Validate material AI outputs against current documentation and authoritative system data, record exceptions, and escalate conflicts or missing guidance. - Do not invent product features, prices, customer entitlements, engineering limits, regulatory positions or safety instructions. Key Responsibilities: - Review application, bureau, banking, financial and fraud information for eligibility and affordability. - Understand model/score outputs, key drivers and policy rules rather than treating automated decisions as unquestionable. - Perform manual review for referred, borderline or exception cases with documented rationale. - Verify customer data and investigate inconsistencies or potential manipulation. - Apply credit policy, delegated authority and fair-customer treatment requirements consistently. - Escalate policy exceptions and model concerns to credit risk owners. - Track approval, decline, override and performance outcomes to improve policy and models. - Never use unapproved AI to make or explain credit decisions. - AI-enabled ways of working: - Use approved GenAI copilots, enterprise search/RAG, analytics and workflow agents to reduce repetitive work and improve decision preparation. - Keep prompts, outputs and automated actions within approved data-access, confidentiality and retention rules. - Correct inaccurate summaries, classifications or recommendations before they become customer, operational or system records. - Feed recurring AI errors, knowledge gaps and process friction into product, documentation and control improvement. - Human accountability: AI is a copilot, not the accountable decision-maker. - The role holder remains responsible for judgement, quality, privacy, security and appropriate escalation. - Credit, fraud blocking, legal/regulatory, financial advice, safety-critical, clinical, employment and other high-impact decisions must follow delegated authority and required human review. - Success Measures: - Decision turnaround improves - Override quality and consistency improve - Bad-rate/fraud outcomes stay within appetite - Decision explanations are documented and defensible .