Master Credit Analysis & Underwriting Decisions
A structured program for anyone who wants to read a credit file the way an underwriter does — bureau reports, bank statements, ITR, GST and financial ratios — and translate that analysis into sound, compliant lending decisions across retail and business loan products.
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A structured program for anyone who wants to read a credit file the way an underwriter does — bureau reports, bank statements, ITR, GST and financial ratios — and translate that analysis into sound, compliant lending decisions across retail and business loan products.
Key facts
Who is this course for?
Check the basics below — most applicants are eligible to enrol directly.
Education
Graduate preferred; 12th pass considered for the Basic module.
Age
18 years and above.
Background
DSAs, loan officers, credit executives, finance graduates and career-switchers into credit roles.
Devices
A smartphone or laptop with internet access.
Language
Bilingual instruction — Hindi & English.
Why take the Credit Analysis & Underwriting Mastery
- Built around real credit-file patterns, not just theory
- Covers both retail (PL/HL/LAP) and business-loan underwriting logic
- Pro+AI covers how AI-based credit scoring is used on the lender side today
- Prepares you for credit, underwriting and risk roles at NBFCs and fintechs
Program structure — 4 modules
Each level builds on the last. Enrol module-by-module or take the full program.
Foundations of Credit Analysis
How credit decisions are made and the documents behind them.
What you'll learn
- The credit assessment lifecycle
- Introduction to CIBIL and other bureaus
- Reading a credit report: score, enquiries, DPD
- Income documents: salary slip, ITR, bank statement
- Secured vs unsecured lending risk
- Basic eligibility criteria across products
- Common rejection reasons
- Ethics in credit assessment
Financial Statement & Bureau Analysis
Deep-dive analysis of bank statements, ITR and financials.
What you'll learn
- Bank statement analysis: salary credits, bounces, EMI load
- Calculating FOIR and other affordability ratios
- ITR and GST analysis for self-employed applicants
- Reading 2–3 year financial statements
- Property and collateral valuation basics (HL/LAP)
- Identifying red flags and inconsistencies
- Handling low-CIBIL and thin-file cases
- Case study: a business-loan banking analysis
Underwriting Decisions, Risk & Compliance
Turning analysis into a compliant underwriting decision.
What you'll learn
- The underwriter's decision framework
- RBI guidelines relevant to credit and underwriting
- Fraud red flags: fake documents and identity fraud
- Query and discrepancy resolution
- Negotiating conditions with credit managers
- Portfolio risk basics: concentration and vintage
- Escalation and exception handling
- Mock underwriting file review
AI-Driven Credit Scoring & Automation
How AI is changing credit assessment and where it still needs a human.
What you'll learn
- Conceptual overview of AI-based credit scoring
- OCR and document automation in KYC processing
- AI in fraud-pattern detection
- Where automation helps vs where judgment is still needed
- Ethics and disclosure in AI-assisted decisions
- Reading AI-assisted risk dashboards
- Capstone: build a mock underwriting checklist
How enrolment works
Enrol module-by-module or take the full program — speak to an advisor for current fees and the next batch start date.
Basic
Module 1 — Foundations of Credit Analysis, plus a completion certificate.
Basic + Advance
Adds Module 2 — Financial Statement & Bureau Analysis.
Basic + Advance + Pro
Adds Module 3 — Underwriting Decisions, Risk & Compliance.
Full Program
All 4 modules including Pro+AI — the flagship Credit Analysis & Underwriting Mastery certificate.
Where this can take you
Credit Analyst
Underwriter (NBFC/Bank)
Risk & Policy Associate
Loan Processing Executive
Credit Manager (in-house)
Independent DSA with strong file quality
Roles, income and career progression vary by employer, experience, effort and market conditions — no specific earnings are guaranteed.
Why MahadevX Learning Academy
Built from real operations
Curriculum drawn from MahadevX's live DSA/aggregator business, not textbook theory alone.
Real NBFC exposure
Direct context on how partners like Bajaj Finance, Poonawalla Fincorp, L&T Finance and IDFC First Bank actually work.
AI where it matters
Pro+AI tracks train on the same AI-assisted approach MahadevX uses internally.
A path forward
A pathway into the MahadevX network for high performers after certification.
Credit Analysis & Underwriting Mastery — FAQs
Is this for someone who wants to work on the lender side?
Yes — this program is built for credit, underwriting and risk-facing roles, in addition to DSAs who want stronger file quality.
Do I need an accounting background?
It helps for the Advance module (financial statements), but the Basic module assumes no prior background.
Does this cover business-loan underwriting too?
Yes — both retail (PL/HL/LAP) and business-loan analysis are covered across the modules.
How do I enrol?
Tap Enquire Now or WhatsApp us with the course name — an advisor will confirm the current batch, fee structure and next steps.
Is the certificate recognised?
Certificates are issued by MahadevX Learning Academy, digitally signed with a unique verification ID and shareable on LinkedIn.
Can I switch from self-paced to instructor-led?
Yes — speak to your advisor; most modules offer both formats.
What happens if I fail a module exam?
A re-attempt is available for a module exam — your advisor will share the current process and any applicable fee.
Ready to start the Credit Analysis & Underwriting Mastery?
Talk to an academy advisor about the current batch, fee structure and enrolment.