Your Role As Credit Ops Executive
As a Credit Ops Executive, you will be essential in supporting our risk team by auditing and conducting
hindsight reviews of the personal loan underwriting process. Additionally, you will play a key role in
manual underwriting for personal loans, ensuring robust and thorough assessments.
- Credit Underwriting:
- Conduct thorough credit assessments to evaluate the creditworthiness of loan applicants.
- Review and analyze personal loan applications, assessing financial statements, credit reports,
and cash flow projections.
- Utilize advanced credit scoring models and strategies for informed decision-making.
- Risk Analysis & Hindsight:
- Identify and evaluate potential risks in loan applications and develop effective risk mitigation
Insights.
- Recommend appropriate loan terms and conditions, ensuring alignment with Olyv's risk
policies.
- Make timely and well-justified decisions on loan approvals, declines, and counter-offers.
- Collaborate with risk and tech teams to support credit decisions and troubleshoot technical
issues.
- Continuous Improvement:
- Stay updated with the latest industry trends, regulatory changes, and best practices in credit
risk assessment.
- Propose innovative process improvements to enhance credit assessment procedures.
- Reporting:
- Prepare detailed reports on credit portfolio performance, delinquencies, and risk exposure for
management insights.
Who You Are
- You have 0.6 to 1 years of experience in credit operations or underwriting.
- You hold a graduate degree.
- You possess expertise in underwriting, and secured/unsecured loans, and have proficiency in Excel
and basic SQL.
- Preferred: Experience in lending and portfolio management strategies.
Why Olyv
- Innovative Culture: Be part of a team that embraces creativity and collaboration.
- Professional Growth: Access to learning opportunities, mentorship, and career advancement.
- Impactful Work: Contribute to financial inclusion and the empowerment of millions.
- Supportive Environment: Work with a team that values your ideas and input.
