Unwritten Manager Needed Urgently for Employment

*Key Responsibilities* - Lead and manage the underwriting team, ensuring accurate and timely assessment of loan applications - Review and approve/recommend loan applications in line with established credit policies and approval limits - Assess borrower creditworthiness using financial information, credit history, transaction data, and other relevant risk indicators - Monitor underwriting decisions and identify trends that may increase portfolio risk - Develop, implement, and continuously improve underwriting policies, procedures, and credit assessment criteria - Monitor underwriting team performance and establish KPIs to improve productivity, accuracy, and turnaround time - Analyse portfolio performance, repayment behaviour, delinquency, and default trends - Work closely with the Collections team to identify high-risk accounts and support appropriate recovery strategies

*Requirements* - 4+ years of experience in underwriting, credit risk, credit analysis, or a related role within fintech, banking, consumer finance, or financial services - At least 1-2 years of experience managing or supervising an underwriting/credit team - Strong understanding of credit risk, loan assessment, underwriting principles, and lending operations - Experience in digital lending or fintech is highly desirable - Strong analytical and decision-making skills with the ability to interpret financial and customer data - Proficiency in Excel; experience with SQL, Power BI, or other data analytics tools is an advantage - Strong knowledge of credit scoring, portfolio monitoring, and risk assessment techniques - Excellent attention to detail and ability to make sound credit decisions under pressure - Strong leadership, communication, and team-management skills - Ability to identify fraud indicators and potential credit risks

- Bachelor's degree in Finance, Economics, Accounting, Business Administration, or a related field - Professional certification in Risk Management, Credit, Finance, etc