Senior Credit Risk, Underwriting Manager

This is a fully remote position, open to applicants in South Africa.

📋 Description

• Evaluate and authorize loan applications in accordance with established credit policies and risk tolerance.

• Perform comprehensive assessments of affordability, cash flow, financial status, and creditworthiness.

• Review bank statements, financial documents, credit bureau reports, and additional supporting materials.

• Create, execute, and continuously enhance a manual credit scoring system.

• Formulate underwriting guidelines, risk management policies, and credit decision-making protocols.

• Supervise portfolio performance and identify trends, risks, and areas for enhancement.

• Work in partnership with leadership to refine lending standards and enhance portfolio quality.

• Ensure all lending decisions adhere to relevant South African regulatory standards.

• Document underwriting approaches and decision frameworks to facilitate future automation efforts.

⛳️ Requirements

• At least 5 years of experience in credit risk, loan underwriting, credit approval, or lending operations.

• Proven track record of making lending decisions at a fintech lender, bank, alternative lender, SME finance provider, or credit-focused financial institution.

• Strong knowledge of credit risk evaluation, affordability analysis, and loan portfolio management.

• Demonstrated capability to use sound credit judgment in contexts where historical data is scarce.

• Excellent analytical, commercial, and decision-making skills.

• Strong communication and stakeholder management skills.

🏝️ Benefits

• Comprehensive health insurance coverage.

• Generous paid time off and holiday policies.

• Opportunities for professional development and growth.

• Flexible working arrangements.