Senior Finance
Role Overview
We are seeking a high-caliber Credit Underwriting Specialist with a deep background in reputable banking institutions. This is not a general finance role; it is a technical "Gatekeeper" position responsible for the end-to-end credit assessment of our Rent Now, Pay Later (RNPL) portfolio.
You will have the final word on credit approvals. We need a professional who can manually interrogate financial data, detect sophisticated documentation fraud, and anticipate defaults before they happen.
Key Responsibilities- Manual Underwriting: Conduct hands-on reviews of individual credit profiles, bank statements, and pay slips to determine eligibility and loan amounts.
- Fraud Detection: Perform rigorous "sanity checks" on supporting documents to ensure authenticity and detect altered or falsified information.
- Risk Decisioning: Approve, flag, or reject applications based on strict risk-based criteria and D (Debt Burden Ratio) calculations.
- Proactive Mitigation: Anticipate potential defaults by identifying behavioral red flags in credit reports and designing mitigation plans (e.g., adjusted limits or payment terms).
- Portfolio Health: Partner with the Collections team to analyze default trends and immediately tighten credit policies where necessary.
- 5+ Years in Banking: Direct experience in Loan Approval, Credit Underwriting, or Risk Management within a reputable commercial bank.
- Advanced Document Vetting: Proven ability to manually verify financial documents and credit bureau reports (no reliance on automated "black box" scores).
- Sector Expertise: Experience in retail lending, mortgage credit, or installment-based products is highly preferred.
- Decisiveness: Ability to stand your ground on credit rejections despite commercial pressures.
- Advanced Financial Statement Analysis
- Credit Risk Modeling & Forecasting
- Institutional Fraud Detection
- Strong Business Judgment & Autonomy
Unlike traditional banking roles, your impact here is direct and highly rewarded. We offer a competitive base salary and a significant performance incentive tied directly to the health of the portfolio. If you are an expert at picking "good" risk, your earning potential is uncapped.
Job Type: Full-time
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