Underwriter

The SME Underwriting Lead is responsible for overseeing the end-to-end credit underwriting of SME loan products. This role ensures sound credit decisions, consistent application of credit policy, and a balanced approach to growth and risk. The position works closely with Product, Risk, Sales, and Operations to scale SME lending responsibly. Key responsibilities Lead and manage SME loan underwriting activities, ensuring timely and high-quality credit decisions Review and approve SME credit applications within delegated authority limits Develop, implement, and continuously improve SME underwriting policies, guidelines, and procedures Ensure credit assessments align with risk appetite, regulatory requirements, and business objectives Analyze financial statements, cash flows, bank statements, and alternative data for SMEs Partner with Risk and Data teams to enhance credit scoring models and decision frameworks Monitor portfolio performance and recommend underwriting or policy adjustments as needed Provide guidance, coaching, and quality control for underwriters and credit analysts Collaborate with Sales and Operations to improve turnaround times and customer experience Support audits, regulatory reviews, and internal risk assessments Requirements and expectations Bachelor’s degree in Finance, Accounting, Economics, Business, or related field 5–8+ years of experience in SME credit underwriting, credit risk, or lending Prior experience in fintech, digital lending, or high-growth lending environments is a strong advantage Strong understanding of SME financial analysis, credit risk assessment, and loan structures Familiarity with automated underwriting tools, credit scoring models, and alternative data sources Knowledge of local lending regulations and compliance standards Skills and competencies Strong credit judgment and analytical thinking Ability to balance growth targets with risk discipline Leadership and mentoring skills Excellent stakeholder management and communication skills Data-driven and process-oriented mindset Comfortable working in fast-paced, evolving fintech environments