Credit Underwriter

About Asiacruit

At Asiacruit, we connect top talent with forward-thinking organizations across industries. Our mission is to help businesses grow through smart, strategic, and people-focused solutions. If you are an analytical professional who thrives in a fast-paced environment and enjoys balancing risk with business growth, we’d love to have you on our team.

Position Overview

The Credit Underwriter will be responsible for evaluating loan applications, assessing creditworthiness, and ensuring sound risk management practices in line with company policies and regulatory standards. In a fintech start-up environment, this role requires balancing speed and efficiency with thorough analysis to support scalable lending operations. The Credit Underwriter will collaborate with multiple teams and report directly to the Head of Risk Management.

Key Responsibilities2. Risk Management & Compliance3. Collaboration & Process Support4. Continuous Improvement & InnovationQualifications & Job Requirements

• Credit Evaluation & Decisioning
• Review loan applications and supporting documents to determine applicant eligibility
• Conduct credit analysis using internal scoring models, financial statements, and external credit bureau data
• Assess risk factors including repayment capacity, collateral (if applicable), and customer profile
• Approve or recommend loan decisions within assigned authority limits
• Ensure underwriting practices comply with BSP regulations, data privacy laws, and company policies
• Identify potential fraud risks and escalate suspicious cases to the Risk team
• Maintain accurate records of credit decisions for audit and compliance purposes
• Work closely with Sales, Collections, and Product teams to align underwriting criteria with business objectives
• Provide feedback to improve credit policies, scoring models, and loan approval workflows
• Support training initiatives for front-line staff on credit documentation and risk awareness
• Recommend enhancements to underwriting processes for efficiency and scalability
• Contribute to the development of digital-first underwriting solutions, such as automated scoring and AI-driven risk assessment
• Stay updated on fintech lending trends, regulatory changes, and market practices
  
  

Education & Background

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field
  
  

Experience & Industry Awareness

• 2–4 years of experience in credit underwriting, risk assessment, or lending operations
• Strong knowledge of consumer lending, fintech products, and Philippine regulatory requirements
  
  

Personal & Professional Attributes

• Analytical mindset with a sharp attention to detail
• Strong decision-making and communication skills
• Ability to thrive in a fast-paced, digital-first start-up environment
• Serious, responsible, and proactive work attitude
  
  

Skills

• Proficient in Microsoft Excel and specialized credit analysis tools
• Adaptable to evolving fintech lending models and automated workflows
• Strong organizational skills and the ability to manage multiple priorities
  
  

Work Details

• Work Location: Philippines (Metro Manila / Cebu / Davao or other key cities depending on region)
• Employment Type: Regular
• Work Schedule: Full-time, standard business hours
• Company Equipment: Provided
  
  

Key Performance Indicators (KPIs)

• Approval Accuracy: % of loans performing as expected vs. defaults
• Turnaround Time: Average time taken to process and decide on applications
• Compliance Score: Adherence to regulatory and internal credit policies
• Fraud Detection Rate: % of suspicious cases identified and escalated
  
  

Why Join Asiacruit

• Opportunity to contribute to a growing organization and support diverse teams across functions
• Collaborative work environment with opportunities for skill development and career growth in the Fintech space
• Competitive compensation and benefits aligned with experience
  
  

How to Apply

To apply, please visit https://asiacruit.com or send your resume to [email protected] with the subject line:

“Credit Underwriter – [Your Name]”