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The role holder will lead and oversee credit verification and underwriting activities for Super Agents, Key Agents and Key Merchant Quick Access Loans (QAL), ensuring robust risk assessment, high-quality credit decisions, and strong compliance with internal policies and regulatory requirements.

This role is expected to operate at a managerial and strategic level, driving continuous improvement in underwriting standards, processes, and portfolio quality. The incumbent will build, mentor, and scale the credit verification team, with the potential to take on broader credit verification responsibilities across products in the future.

Key Responsibilities

• Oversee end-to-end credit verification and underwriting for Super Agent & Key Merchant QAL loans
• Review and recommend for loan approval; escalate high-risk or high-value cases
• Ensure consistent application of credit policies, scorecards, and risk frameworks
• Provide final recommendation on complex cases with clear risk justification
• Identify, assess, and mitigate credit risks across the portfolio
• Monitor underwriting quality, approval trends, and early delinquency indicators
• Drive improvements in risk selection and portfolio performance
• Ensure strong audit trails and compliance with internal and regulatory standards
• Lead, mentor, and develop the Credit Verification team
• Set performance expectations and ensure high productivity and quality standards
• Build a strong second line (team leads / senior officers) for scalability
• Conduct regular coaching on financial analysis, risk assessment, and decision-making
• Streamline verification workflows to improve turnaround time and efficiency
• Enhance underwriting frameworks, checklists, and SOPs
• Ensure proper documentation, data integrity, and governance standards
• Drive automation and system improvement initiatives with Tech/Product teams
• Collaborate closely with: Business teams (for pipeline and growth alignment), Product team (for policy and product enhancements), Credit Risk team (for risk framework alignment)
• Provide clear and data-driven feedback to support portfolio expansion
• Support expansion of credit verification scope beyond QAL (future products / segments)
• Contribute to development of scalable underwriting models and frameworks
• Identify opportunities to improve approval quality while enabling business growth
• Act as a key contributor to future credit verification strategy
• Prepare and present reports on: Approval rates, Portfolio risk trends, Team productivity
• Provide insights and recommendations for policy and scorecard enhancements

• Bachelor's Degree
• Minimum 7–10 years in Banking with credit underwriting / credit risk experiences
• Proven experience in SME / merchant / unsecured lending
• Prior experience in team management and decision authority roles
• Strong background in financial analysis and risk assessment