Kredivo ★ 4.0

Key responsibilities:

Underwriting strategy and Credit policy:

• Analyze and continuously improve underwriting strategies, credit policies, and decision rules for lending products.

• Monitor performance and effectiveless of existing underwriting rule and actively identify opportunities for optimization.

• Propose changes to credit policies, underwriting rules, approval criteria, and customer segmentation based on data analysis

• Conduct pre and post-implementation to evaluate the effectiveness of policy and rule changes.

Risk performance and Data analytics:

• Monitor key underwriting and credit risk metrics across different customer segments, products, acquisitions channel, and vintages.

• Conduct deep-dive analysis to identify unusual movements or potential issue in underwriting performance.

• Independently extract, validate, and analyze large datasets using SQL.

• Ability to translate analytical findings into clear and actionable business recommendations.

Underwriting projects:

• Lead or independently manage underwriting-related projects from problem definition to implementation.

• Work cross-functionally with Product, Data Science, Collection, and Business teams to implement underwriting improvements.

Qualifications

• 3-5+ years in lending/ fintech/ consumer-finance product, with hands-on exposure to unsecured cash loan, card or BNPL.

• Experience in underwriting/policy, credit lifecycle, or partner-distribution / embedded-finance channels.

• Strong quantitative and analytical abilities, including expertise in statistical analysis and risk modeling.

• Working knowledge of SQL and proficiency in Excel are required. In addition, mastery in other database management software will be highly appreciated.

• Strong analytical skills as proven from previous projects.

• Innovative and adaptable, with a proven ability to meet evolving business challenges.

• Excellent communication skills, with the ability to effectively present insights to diverse audiences.

• Thrives in fast-paced settings, delivering consistent results under pressure.

• Fluency in English is a must.