Credit Underwriting Manager
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
System implementation & digital capabilities
- 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)