Manager, Retail Credit Underwriting Job at Zedcrest Group (Lagos)

Retail Credit Policy - Vice President

The Credit Risk Portfolio Manager is a management-level position responsible for...

Location

India , Chennai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

8-12 years of progressive experience in retail credit risk management, consumer lending, or a related financial discipline, preferably within a large financial institution focusing on credit cards and personal loans
Bachelor's degree in Finance, Accounting, Economics, Computer Science, or a related field
Advanced proficiency with analytical and data manipulation tools (e.g., SAS, SQL, R, SPSS) for large consumer datasets and behavioral analysis
Demonstrated experience with econometric and statistical modeling or application risk scoring specifically for retail credit products (e.g., credit card risk models, behavioral scoring, fraud detection models in consumer lending)
Proven ability to work with large datasets, understanding probabilities/distributions, and building decision trees and regression models relevant to consumer credit risk
Thorough knowledge of the retail credit lifecycle, including origination, underwriting, account management, collections, and its interdependencies
Excellent time management, organizational, analytical, and strong quantitative skills
Superior written and verbal communication skills, with the ability to present complex information clearly and concisely to diverse audiences, including senior management and regulatory bodies
Proficiency in Microsoft Office Suite, particularly Excel and PowerPoint

Job Responsibility

Strategic Leadership & Policy Development: Effectively leads and oversees multiple policy change implementation projects specific to retail credit products, providing end-to-end support within the Risk Management Organization
Establishes and refines operating policies and procedures related to credit approval and verification, credit card fraud prevention, delinquency and loss management, and overall consumer lending strategies
Team and Resource Management: Conducts managerial responsibilities including coaching, mentoring, and escalation as needed within the retail credit risk team
Ensures continuous process improvement and efficiency initiatives are identified and implemented to support business unit goals in consumer lending
Credit Risk Oversight & Analysis: Drives the assessment of Citi's credit risk management practices and leads the identification and mitigation of credit risk across unsecured retail portfolios (e.g., credit cards)
Analyzes complex credit risks using advanced reports, scorecards, risk systems, and expert judgment, with a particular focus on behavioral scoring models, application fraud detection, and collections strategies relevant to retail products
Oversees post-implementation validation for Credit Implementations and develops robust test plans to ensure business policy changes are effectively validated within the retail lending context
Portfolio Performance & Reporting: Conducts periodic and ad-hoc analyses on retail credit portfolio performance for Risk Governance Assessments
Business Growth & Risk Strategy: Identifies business opportunities, develops sophisticated credit tests and risk strategies, balancing risk and return for retail products
Collaborates with cross-functional teams to ensure flawless execution of policy tests and strategies across the consumer lending lifecycle

What we offer

Learn About Global Benefits (see Global Benefits section mentioned but not detailed)

Fulltime

New

Credit Risk Manager

Location

Malaysia , Kuala Lumpur

Salary:

144000.00 - 180000.00 MYR / Year

Randstad

Expiration Date

August 20, 2026

Requirements

A minimum of 8 to 10 years of professional experience in credit risk, financing, or underwriting within banks, non-bank financial institutions (NBFIs), or related lending sectors
A profound comprehension of retail consumer financing, asset portfolio risk, credit evaluation methodologies, default management, and collection tactics
Prior experience spearheading teams or managing relationships with various cross-functional stakeholders
A sharp business mindset with a proven ability to push for corporate growth without compromising risk boundaries
A solid grasp of day-to-day financing operations, approval workflows, risk-aware decision frameworks, and credit policies
Bachelor's Degree in any related field

Job Responsibility

Direct and reinforce the organization's overarching credit risk management division. This includes evaluating and updating underwriting standards, lending criteria, credit policies, and risk-scoring models
Continuously track the health of the lending portfolio, keeping a close eye on non-performing loans (NPLs), approval quality, delinquency patterns, and the success rate of recovery efforts
Partner with the executive team to maintain a healthy equilibrium between expanding the business, maximizing profit, and mitigating risk
Offer data-backed recommendations to enhance the durability of the loan portfolio, focusing on smarter customer segmentation, risk-adjusted pricing, and elevated approval standards
Manage, mentor, and foster the professional growth of internal personnel working across risk analysis, data analytics, credit underwriting, and portfolio tracking
Spot operational bottlenecks or gaps in the existing credit lifecycle and pitch actionable remedies
Assist leadership by designing enhanced data dashboards, analytical reports, and key risk indicators to empower strategic choices

Fulltime

Credit Risk Senior Analyst

Citibank, N.A. seeks a Credit Risk Senior Analyst for its Irving, Texas location...

Location

United States , Irving

Salary:

123968.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

Master’s degree or foreign equivalent in Finance, Business Administration, Accounting, Economics or related field and 3 years of experience as a Financial Analyst, Credit Analyst, Senior Financial Data Analyst, Associate or related position
Will also accept a Bachelor’s degree or foreign equivalent in the above disciplines and 5 years of progressive, post baccalaureate experience as listed above
3 years of experience must include: Writing credit memorandums regarding Credit Risk financial statement analysis, covenant analysis, Peer comp, Industry analysis, Leverage ratios, Liquidity, repayment capacity, financial spreading, and collateral analysis
Modeling/forecasting performance for client based on disclosed information from the client, industry trends, and macro environment
Using FactSet to extract borrower’s information related to debts, its peers and consensus estimates used for projections, and information related to any transactions or M&A related to borrower
Using S&P CAPIQ to extract borrower’s Capital structure information

Job Responsibility

Focus on the rigorous internal analysis and subsequent underwriting of Consumer Goods, Retail and Healthcare portfolio as part of internal portfolio management and transaction requests
Manage a dedicated portfolio of clients via continuous monitoring of their financial performance, industry trends, and overall creditworthiness to proactively identify risks and opportunities
Review and standardize the client-provided financial data (e.g., annual reports, quarterly statements) to align with Citi's internal accounting and analysis guidelines
Compute a comprehensive suite of critical financial ratios, essential for evaluating various facets of a company's performance
Perform in-depth qualitative and quantitative reviews of the core financial statements, Income Statement, Balance Sheet and Cash Flow
Conduct several additional layers of analysis, including industry, covenant, capital/corporate structure, and modeling
Ensure adherence to Citi’s Wholesale Credit Policy, ensuring all analysis and underwriting decisions strictly comply with/align with both internal risk appetite and external regulatory requirements
Perform the comprehensive analysis needed to derive the internal risk ratings for each client via Debt Rating Models/Scorecards

What we offer

medical
dental
vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages including planned time off (vacation), unplanned time off (sick leave), and paid holidays

Fulltime

Emerging Sales Associate - August 2026

Emerging Sales Associate - August 2026. If you are planning to graduate college,...

Location

United States , Plano

Salary:

74200.00 - 84700.00 USD / Year

Capital One

Expiration Date

Until further notice

Requirements

Currently has, or is in the process of obtaining, a Bachelor's degree or higher with an expectation that you will complete your most recent full-time degree program by August 2026 or earlier
At least 6 months of experience in sales OR customer service OR management OR leadership (can include retail experience)

Job Responsibility

Provide options where Car Buyers and Auto Dealers mutually win and succeed financially through understanding the ins and outs of credit reporting and Capital One's loan underwriting structure
Sell Capital One Auto Finance as a fintech company that has a full SaaS Navigator suite for dealers to advertise, sell, and secure loans for their customers
Partner closely with product, tech, and design partners as the face of Capital One to help be the voice of the customer in developing and improving our products and offerings
Become your own CEO in preparing, executing, and achieving your territory sales strategy
Work with peers and teammates to achieve team, department and pod objectives
Guide loans from application to funded status
Cultivate stellar relationships with our dealerships
Utilize expert judgment to leverage an exception process to win business with Auto Dealers
Maintain a curiosity of tech and products that exist within Capital One that will benefit Auto Dealer partners and their customers
Prompt completion of administrative and team tasks, such as conference calls, expense reports and Computer Based Trainings

What we offer

Generous benefits program
Shadowing Opportunities of the Sales process
Extensive training on our sales program guidelines
Up to date training and materials on our full Navigator Platform
Trainings and workshops to upskill B2B selling practices
Classes in Presentation and Storytelling skills
Experience in how to succeed in a multi-billion dollar industry
Risk Management Frameworks
Performance based incentive compensation including cash bonus(es) and/or long term incentives (LTI)
Health, financial and other benefits

Fulltime

Mortgage Retail Sales Consultant (SAFE)

Wells Fargo is seeking a Mortgage Retail Sales Consultant (SAFE) in Consumer Len...

Location

United States , Austin

Salary:

Not provided

Wells Fargo

Expiration Date

July 28, 2026

Requirements

2+ years of Mortgage Retail Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Basic Microsoft Office skills
Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
Excellent verbal, written, and interpersonal communication skills
Mortgage industry experience
Knowledge and understanding of sales prospecting and generating referrals
Experience developing and cultivating professional relationships
Customer service experience
Bilingual speaking proficiency in Chinese/English
Bilingual speaking proficiency in Spanish/English

Job Responsibility

Participate in soliciting residential mortgages from various sources
Produce high quality loans which are compliant and provide excellent customer service
Build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources
Develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace
stay informed of mortgage industry trends and developments in the assigned market
Present recommendations for producing loans and exercise some independent judgment while developing understanding of and adherence to Mortgage Retail Sales functional area, policies, procedures, compliance requirements, and generating loans
Understand real estate appraisals, title reports, and real estate transactions
Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
analyze and offer mortgage loan products based on client needs
Review and analyze low to moderately complex financial and credit data

Fulltime

Mortgage Relationship Manager

Location

Malaysia , Kuala Lumpur

Salary:

2500.00 RM / Month

Randstad

Expiration Date

August 01, 2026

Requirements

Minimum of 2–5 years of proven sales experience ideally within banking or financial services
Bachelor’s Degree in Finance, Business Administration, Economics, or a related discipline
Possession of professional industry licenses is highly advantageous (e.g., Pre-Contract Examination for Insurance Agents (PCE), Takaful Basic Examination (TBE), and Federation of Investment Managers Malaysia (FIMM) licenses)
Strong credit financial acumen with excellent knowledge of mortgage products, legal property documentation, and valuation practices
Exceptional interpersonal, negotiation, and persuasive communication skills
Self-driven and highly resilient under target-driven pressures
Fluency in English and Bahasa Malaysia is required
Professional proficiency in Mandarin or local dialects (such as Cantonese) is highly beneficial

Job Responsibility

Hunt for new-to-bank (NTB) mortgage customers to consistently meet and exceed monthly loan sales and disbursement targets
Manage the end-to-end mortgage financing lifecycle: from initial financial consultation and loan package structuring to formal application submission, credit approval ing, and final loan disbursement
Conduct thorough financial analysis, including calculating Debt Service Ratios (DSR) and evaluating borrower risk parameters, to structure applications for optimal approval chances
Build, nurture, and maintain strong, proactive partnerships with external stakeholders, including real estate developers, property agencies, lawyers, and valuers, to secure a steady pipeline of referral business
Actively participate in property roadshows, property launches, and end-financing projects to capture market share
Capitalize on mortgage origination conversations to increase the bank’s product-holding per customer
Cross-sell complementary retail banking and wealth products, including Current and Savings Accounts (CASA), Fixed Deposits, Credit Cards, and Personal Loans
Ensure comprehensive client protection by actively cross-selling mortgage insurance products, such as Mortgage Reducing Term Assurance (MRTA) / Mortgage Reducing Term Takaful (MRTT)
Ensure absolute compliance with all banking regulations, statutory requirements, and internal standard operating procedures (SOPs)
Strictly adhere to Credit Policy guidelines, Know Your Customer (KYC) protocols, and Anti-Money Laundering/Counter-Terrorism Financing (AML/CTF) regulations

What we offer

great commision
attractive package

Commercial Real Estate Underwriter

The Commercial Real Estate Senior Underwriter is a strategic professional who ow...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

A good track record of relevant experience
Strong and proven analytical, financial analysis, due diligence and execution skills
Experience in commercial real estate and credit risk underwriting strongly preferred
Excellent communication (written and verbal) and interpersonal skills
Team player attitude and ability to work independently
Good negotiation and diplomacy skills
Displays flexibility and initiative in a demanding environment
Bachelor's/University degree or equivalent experience

Job Responsibility

Work closely with senior underwriters and loan originators in the initial assessment and structuring of credit opportunities
Conduct comprehensive financial analysis of commercial real estate assets (e.g., office, industrial, retail, hospitality, multifamily) and associated sponsors/borrowers, including historical performance, pro forma cashflow projections and sensitivity analysis, tenancy schedules, operating costs, balance sheet analysis
Conduct due diligence leveraging research and due diligence report providers
Prepare well-reasoned and succinct credit approval memorandums, identifying key risks and mitigants
make credit decision recommendations including risk ratings and regulatory classifications
Assist with the negotiation of legal documentation for new, refinancing, or restructuring transactions, negotiating credit facilities with the assistance of external legal counsel
Interact with clients, their representatives and advisors, as required throughout the initial underwriting, deal execution and portfolio management of loans
Manage the periodic information, covenant monitoring, annual reviews, waivers & extensions for each credit relationship, managing appropriate hand-offs to the portfolio management support team
Proactively identify early warning signs of credit deterioration and elevate concerns to senior portfolio managers, proposing corrective actions
Ensures all transactions are in compliance with regulatory and Citi guidelines, policies and procedures

Fulltime

Cards Product Manager

Define and execute the overall Cards strategy across credit, debit, and prepaid,...

Location

Egypt , New Cairo

Salary:

Not provided

Ethics HR

Expiration Date

Until further notice

Requirements

Bachelor's degree in Business, Finance, Economics, or related discipline from a reputable university
Minimum 10+ years of experience in Egyptian retail banking, with at least 4–5 years in leadership roles within Cards (credit/debit/prepaid)
Proven experience managing credit card portfolios, including P&L ownership, spend growth, and risk management
Strong understanding of cards economics (interchange, revolving interest, fees, cost drivers) and payments ecosystem
Deep knowledge of Central Bank of Egypt (CBE) regulations related to cards, consumer finance, digital payments, and customer protection
Experience in digital banking, neobanks, or large-scale digital transformation programs within traditional banks
Strong understanding of card lifecycle: acquisition, onboarding, activation, engagement, credit management, and collections
Experience working with card schemes (Visa, Mastercard) and payment processors
Advanced analytical capability, with hands-on experience using customer analytics, risk models, and performance dashboards
Strong commercial acumen with demonstrated ability to balance growth, profitability, and credit risk

Job Responsibility

Define and execute the overall Cards strategy across credit, debit, and prepaid, aligned with the bank’s retail growth, payments strategy, and profitability objectives
Act as full P&L owner of the Cards portfolio, accountable for spend growth, card activation, revenue (interchange, interest income, fees), portfolio quality, and cost efficiency
Lead end-to-end product ownership of card products, including product design, value proposition, pricing (fees, interest rates), rewards/loyalty programs, and lifecycle management
Own the digital card issuance journey, including instant issuance, virtual cards, tokenization, and integration with wallets, ensuring high activation and first-use conversion
Drive spend and engagement strategies, leveraging campaigns, merchant partnerships, BNPL/instalment offerings, and localized use cases relevant to Egyptian consumers
Establish and manage credit card underwriting frameworks in collaboration with Risk, including credit policies, limit assignment, utilization management, and portfolio monitoring
Drive portfolio analytics and optimization, including customer segmentation, spend behavior, delinquency trends, and lifecycle interventions to maximize engagement and minimize risk
Develop and scale merchant and ecosystem partnerships, including co-branded cards, fintech collaborations, and acceptance-driven campaigns to increase card usage
Ensure strong alignment with Risk and Compliance to embed fraud controls, AML measures, chargeback handling, and full adherence to CBE regulations across all card products
Oversee cards' operations and servicing, including disputes, chargebacks, settlements, authorization performance, and SLA adherence in partnership with Operations and Technology

Fulltime

Select Country

Manager, Retail Credit Underwriting

Job Description

Job Responsibility

Requirements

Looking for more opportunities?