Underwriter - Team Lead at One Credit

Job description

Strategic 20%
Support data analysis to identify improved risk assessment decisions.
Provide feedback for underwriting policy reviews and update.
Support strategic initiatives in terms of risk scoring, ID checking and automated acceptance.

Day to Day (80%)
Manage daily Loan Origination Chain from data entry to approval stage.
Perform detailed analysis on loan applications with reference to One Credit policies to assess suitability and affordability of applicants

Key Performance Indicators

• Disburse 98% of One Credit Loans within agreed turn-around-time
• Achieve less than 1% operational fraud loss
• Achieve less than 1% loss due to underwriting errors
• Achieve one underwriting policy improvement per quarter
• Perform data checks and verification to ensure accurate customer information is captured for all One credit applicant.
• Ensure appropriate KYC and credit reference checks are completed as part of the loan application process.

Desired Skills and Experience

• Good education with minimum of 3 years work experience
• Preferably in Retail Credit or Risk Management 
• Must be able to build, develop and grow team
• Must be able to handle assigned projects from concept to realization with little to no supervision
• Must be able to achieve customer satisfaction within a highly regulated environment
• Must have good attention to details, critical reasoning and problem solving skills
• Must have excellent writing and verbal skills
• Must have a very high level of computer literacy