Credit Underwriting Manager

Overview

• Reporting to the Chief Operations Officer and working closely with the Risk Department, you will oversee credit application processing and control activities
• Ensure a balance between commercial performance, risk control, regulatory compliance, operational quality and customer experience in a hyper-growth environment
• Manage an in-house team of 4 employees
• Ensure compliance with SLAs, quality standards and credit rules
• Ensure achievement of performance targets for the internal team and the external service provider
• Define the control plan in collaboration with the Risk and Quality teams
• Ensure execution and drive corrective actions
• Ensure application of credit rules and regulatory requirements
• Identify operational risks and implement necessary mitigation actions
• Challenge underwriting rules and contribute to the evolution of decision models
• Leverage data to optimize performance, customer journeys and risk management
• Propose and implement automation and artificial intelligence projects to improve efficiency

Qualifications

• You have at least 10 years of experience, with significant time in a banking or fintech environment
• You have previously managed a team and have proven managerial experience
• You possess strong risk analysis skills and a good understanding of decision models
• You are focused on operational performance and continuous improvement and rely on data/AI on a daily basis
• You demonstrate cross-functional leadership and can collaborate effectively with Risk, Product, Data and Quality teams
• You have a working level of English