The SME Underwriting Lead is responsible for overseeing the end-to-end credit underwriting of SME loan products. This role ensures sound credit decisions, consistent application of credit policy, and a balanced approach to growth and risk. The position works closely with Product, Risk, Sales, and Operations to scale SME lending responsibly.

Key responsibilities

• Lead and manage SME loan underwriting activities, ensuring timely and high-quality credit decisions
• Review and approve SME credit applications within delegated authority limits
• Develop, implement, and continuously improve SME underwriting policies, guidelines, and procedures
• Ensure credit assessments align with risk appetite, regulatory requirements, and business objectives
• Analyze financial statements, cash flows, bank statements, and alternative data for SMEs
• Partner with Risk and Data teams to enhance credit scoring models and decision fra...