Credit Underwriting Manager, Digital SME Lending
Skills
About This Role
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)
Education and Experience
Bachelor degree
Minimum 10 years of experience in small business lending and credit underwriting
Proven expertise in underwriting business credit cards and secured/unsecured SME loans
Strong understanding of digital lending platforms, workflow automation, and credit systems
Experience
in policy development, risk controls, and portfolio management
Ability to work cross-functionally in a fast-paced digital bank environment
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