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Credit Underwriting Manager, Digital SME Lending
Job Description & How to Apply Below
Job Purpose
We are hiring an experienced Credit Underwriting Manager to lead underwriting for small business credit cards and loans in a digital banking environment. The role requires strong credit judgment, hands‑on underwriting expertise, and deep understanding of digital lending processes and system implementation.
Principal Accountabilities- Underwrite and approve small business credit cards and loan products in line with credit policy and risk appetite.
- Continuously improve turnaround time, approval rates, and customer experience through automation and analytics.
- Design, review, and enhance underwriting frameworks, scorecards, and credit policies.
- Oversee end‑to‑end digital credit journeys, including automated and semi‑automated decisioning.
- Monitor portfolio performance, early warning indicators, and policy effectiveness.
- Support audits, regulatory reviews, and governance requirements.
- Lead and contribute to the implementation and enhancement of end‑to‑end digital lending systems for SME credit cards and loans.
- Translate credit policy and underwriting requirements into system rules, scorecards, and decision engines.
- Partner with Technology, Product, Data, and Operations teams to design scalable, straight‑through processing journeys.
- Define and validate credit rules, automated decisioning logic, exception handling, and manual review workflows.
- Support UAT, pilot launches, and post‑implementation tuning of credit systems.
- Ensure systems support regulatory, audit, and risk governance requirements (controls, overrides, reporting).
- Minimum 10 years of experience in small business lending and credit underwriting.
- Proven expertise in underwriting business credit cards and secured/unsecured SME loans.
- Strong understanding of digital lending platforms, workflow automation, and credit systems.
- Experience in policy development, risk controls, and portfolio management.
- Ability to work cross‑functionally in a fast‑paced digital bank environment.
- Bachelor degree.
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