Credit Operation Executive

Your role as a Credit Ops Executive will be essential in supporting the risk team by auditing and conducting hindsight reviews of the personal loan underwriting process. Additionally, you will play a key role in manual underwriting for personal loans, ensuring robust and thorough assessments. Credit Underwriting: As a Credit Ops Executive, you will conduct thorough credit assessments to evaluate the creditworthiness of loan applicants. You will review and analyze personal loan applications, assessing financial statements, credit reports, and cash flow projections. Utilize advanced credit scoring models and strategies for informed decision-making. Risk Analysis & Hindsight: Identify and evaluate potential risks in loan applications and develop effective risk mitigation insights. Recommend appropriate loan terms and conditions, ensuring alignment with Olyvs risk policies. Make timely and well-justified decisions on loan approvals, declines, and counter-offers. Collaborate with risk and tech teams to support credit decisions and troubleshoot technical issues. Continuous Improvement: Stay updated with the latest industry trends, regulatory changes, and best practices in credit risk assessment. Propose innovative process improvements to enhance credit assessment procedures. Reporting: Prepare detailed reports on credit portfolio performance, delinquencies, and risk exposure for management insights. Who You Are: You have 0.6 to 1 years of experience in credit operations or underwriting. You hold a graduate degree. You possess expertise in underwriting, and secured/unsecured loans, and have proficiency in Excel and basic SQL. Preferred: Experience in lending and portfolio management strategies.,