Credit Underwriter

Role Overview

The Credit Underwriter is responsible for evaluating loan applications and determining borrower creditworthiness in accordance with the company’s credit risk policies. The role involves analyzing borrower financial profiles, reviewing alternative data sources, and assessing risk indicators to make sound credit decisions.

Key Responsibilities:

Credit Assessment and Decision Making:

• Evaluate loan applications by analyzing borrower financial profiles, income sources, transaction behavior, and credit history.

• Conduct holistic credit assessment using both traditional and alternative data sources.

• Apply internal credit policies, scorecards, and underwriting guidelines to determine loan eligibility and appropriate credit limits.

• Approve, decline, or recommend modifications to loan applications based on risk evaluation.
  

Risk Analysis:

• Identify potential credit risk, repayment capacity risk, and fraud indicators.

• Assess borrower affordability, repayment behavior, and debt capacity.

• Analyze financial information such as:

  1. income and cash flow stability

  2. bank transaction patterns

  3. business activity (for merchant loans)

• Escalate high-risk cases for senior credit review when necessary.
  

Collaboration with Risk Teams

• Coordinate with Fraud, Risk Analytics, and Product teams to improve underwriting accuracy.

• Provide feedback to improve credit policy, risk rules, and automated scoring models.
  

Qualifications:

• Bachelor’s degree in Finance, Economics, Statistics, Accounting, or related fields.

• 2–4 years of experience in credit analysis, underwriting, or risk assessment in banking, fintech, or lending institutions.
  

Preferred Experience:

• Experience in P2P lending, fintech lending platforms, or digital credit products.

• Familiarity with credit bureau data (SLIK, Pefindo, FDC).

• Experience analyzing alternative credit data or transaction-based lending models.