Senior Manager

• Policy Execution: Implement and monitor credit underwriting policies in line with risk appetite, product construct, and regulatory guidelines.
• Underwriting Oversight: Lead day-to-day underwriting operations for D2C and partner-originated loans, including exception handling and deviation approvals.
• Team Leadership: Supervise a team of credit underwriters and analysts to ensure turnaround time (TAT), accuracy, and portfolio quality are maintained.
• CPV & Fraud Controls: Collaborate with CPV, fraud control, and risk teams to ensure robust verification processes and fraud mitigation mechanisms.
• Credit Decisioning: Take ownership of decisioning logic deployed in underwriting platforms and BOT journeys; work with product/tech teams to enhance flow and automation.
• Portfolio Monitoring: Track and analyse portfolio behaviour – bounce rates, early delinquencies (FEMI), roll rates, and performance by channel/cohort.
• Stakeholder Coordination: Liaise with sales, operations, collections, and analytics teams to continuously optimize credit funnels and customer targeting.
• Audit & Compliance: Ensure adherence to internal policies and regulatory standards; support audits and implement control measures.
• Behavioural Competencies:

• Strong judgment and risk assessment capability
• Excellent team and stakeholder management
• Bias for execution, ownership, and continuous improvement

Qualifications/Experience

• Bachelor's or Master's degree in Statistics, Economics, Engineering, Finance, or a related field
• Experience: 8–10 years in retail credit underwriting, with a focus on unsecured lending products
• Strong understanding of credit bureau data, scorecards, income proxies, and alternate data underwriting
• Familiarity with credit workflows, LOS/LMS systems, and digital underwriting tools
• Ability to drive decisions using analytics and field-level feedback
• Strong service provider management and governance