Job Purpose :
To supervise day-to-day credit evaluation and underwriting operations, ensuring all credit applications are assessed in accordance with company policy, risk appetite, and regulatory requirements. The Credit Supervisor is responsible for overseeing junior credit analysts, validating credit assessments, ensuring consistent application of credit procedures, and maintaining high-quality credit decisions. This role ensures timely approvals, supports continuous portfolio health, and contributes to the development and implementation of credit tools, scorecards, and processes.
Job Responsibilities :
- Supervise the daily operations of the credit underwriting unit, ensuring timely processing of applications.
- Review and validate credit assessments submitted by analysts for consistency, completeness, and risk alignment.
- Ensure adherence to credit policies, approval matrices, and documentation standards.
- Train and mentor credit analysts to improve risk assessment, financial analysis, and documentation practices.
- Escalate high-risk or exceptional cases to the Head of Credit with supporting analysis and recommendations.
- Maintain strong coordination with sales and product teams to clarify application information and enhance quality.
- Ensure that customer creditworthiness is assessed using scorecards, credit bureau data, and internal metrics.
- Monitor portfolio trends and highlight warning signs of deteriorating credit profiles to senior management.
- Support the implementation of credit decision tools, automation, and approval engines.
- Conduct random audits of approved files to ensure compliance with internal guidelines and regulatory standards.
- Assist in setting and monitoring underwriting KPIs including turnaround time (TAT), rejection rate, and approval quality.
- Collaborate with the MIS/Risk team to generate periodic credit performance reports and dashboards.
- Manage the workload distribution among team members to ensure efficiency and accuracy.
- Participate in periodic policy reviews, suggesting enhancements based on front-line feedback.
- Ensure audit readiness and provide necessary documents during internal or external audits.
- Coordinate with fraud and verification teams to validate high-risk applications.
- Recommend restructuring or customized credit terms for borderline cases, aligned with risk appetite.
- Promote a risk-aware culture and support junior staff with on-the-job coaching and upskilling.
- Foster continuous improvement in underwriting processes and drive operational excellence.
Job Qualifications:
- Bachelor’s degree in Finance, Economics.
- Minimum 5 years of experience in credit underwriting and risk management.
- Proven track record in designing and implementing credit frameworks and policies.
- Familiarity with consumer segments, as well as regulatory requirements.
- Deep expertise in credit risk assessment and scoring
- Strong analytical and decision-making capabilities
- Proficiency in credit-related systems and tools
- Effective leadership, coaching, and team management
- Cross-functional collaboration and communication
- Regulatory and audit preparedness
- Credit Risk Certification (e.g., Moody’s, Omega, PRMIA) is a Plus.
- Excellent command of English.
