Underwriting & Policy Manager

What you'll Do:

• Risk Budget Optimization: Responsible for optimizing the usage of the risk budget to drive business growth, rather than simply focusing on risk minimization
• Decision Logic Ownership: Directly owns and manages the logic for approval rules, credit cut-offs, limit assignments, and pricing structures
• Funnel & Mix Monitoring: Continuously monitors the "through-the-door" applicant mix to ensure the incoming applications and bookings meet pre-defined standards and detect any drifts
• Policy Collaboration: Partners with the Business/Commercial team to co-own product policies that balance growth with healthy risk-adjusted margins

What you'll Need:

• 5-7 years of experience in Underwriting & Policy Management, preferably in the unsecured lending business
• Strong background in credit policy development and risk appetite frameworks
• Expertise in setting credit limits and pricing strategies based on risk-based tiers
• Ability to translate high-level risk budgets into granular automated decision rules
• Excellent communication and presentation skills, with the ability to convey complex ideas clearly and concisely