AI Credit Decisioning & Underwriting Analyst

• 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