Credit Underwriting

JOB DESCRIPTION: CREDIT UNDERWRITING & ORIGINATIONS SPECIALIST

We are seeking a seasoned Credit SME to serve as the subject matter expert across the full US credit card lifecycle, from application and account opening through portfolio management, delinquency, collections, and charge-off. This individual will play a critical role in supporting operational excellence, regulatory compliance, process optimization, and client delivery across our credit card programs.

The ideal candidate will bring extensive experience from a bank, card issuer, issuer processor, or fintech lender and possess deep expertise in US consumer credit, credit risk, originations, underwriting, and credit card operations.

Key Responsibilities:

• Serve as the primary SME for US credit card operations and the end-to-end credit lifecycle.
• Provide expert guidance on application intake, identity verification, underwriting support, credit decisioning, account setup, portfolio management, collections, and charge-off processes.
• Partner with Operations, Product, Risk, Implementation, and Client teams to drive operational effectiveness and best practices.
• Develop and maintain standard operating procedures, training materials, and operational frameworks.
• Lead initiatives to upskill teams on US credit card operations, originations, and regulatory requirements.
• Analyze operational and portfolio metrics, identifying opportunities for process improvement and enhanced performance.
• Monitor key indicators including approval rates, abandonment rates, delinquency, roll rates, charge-offs, and portfolio health metrics.
• Ensure operational processes remain aligned with regulatory and compliance requirements.
• Act as a trusted advisor for internal stakeholders and clients on all matters related to US credit card operations and lending practices.
• Required Experience
• Significant experience within the US credit card, consumer lending, banking, fintech, or issuer-processing industries.

Deep knowledge of:

• Credit card originations and account opening
• Application intake and underwriting support
• Identity verification and fraud controls
• Credit policy and decisioning
• Credit line assignment and management
• Billing and statement cycles
• Delinquency management, collections, recoveries, and charge-offs
• Strong understanding of credit bureau data and scoring methodologies, including Experian, Equifax, and TransUnion.
• Knowledge of credit risk management and consumer lending principles.
• Familiarity with KYC, KYB, CIP, and AML requirements.
• Strong understanding of applicable US regulations, including ECOA (Regulation B), TILA (Regulation Z), FCRA, and adverse action requirements.
• Experience collaborating across Operations, Risk, Product, and Implementation teams.
• Proven ability to develop operational learning strategies, training programs, and process documentation.
• Exceptional communication, stakeholder management, and problem-solving skills.
• Preferred Qualifications
• Experience supporting Visa, Mastercard, American Express, and/or Discover credit card programs.
• Exposure to fraud prevention and identity verification technologies.
• Experience with LoanPro, Taktile, Bloom, or similar lending and decisioning platforms.
• Professional certifications such as CRCM, CAMS, CRC, CFE, CCE, CTP, or related industry credentials.