Credit Ops Executive_Olyv108

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.

1. 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.
2. 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.
3. 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.
4. Reporting: ● Prepare detailed reports on credit portfolio performance, delinquencies, and risk exposure for management insights.

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.