About the Role
PalmPay is building an ecosystem to provide millions of customers with the best choice and value in digital and financial services. We are creating new and unique experiences for our customers and can offer scale to our partners to reach new audiences. We are currently looking for a dynamic and results-driven Credit Risk Manager to lead our credit underwriting function for SME loans, ensuring high-quality credit decisions in line with our credit policies and overall risk appetite.
Key Responsibilities- Lead and supervise the Credit Underwriting team, ensuring timely and accurate credit decisions across all SME loan applications.
- Review and approve SME loan applications in strict alignment with company credit policy and risk frameworks.
- Assess complex credit proposals, financial statements, cash flow, and overall business performance.
- Monitor portfolio quality, identify emerging credit risks proactively, and recommend effective mitigation strategies.
- Work closely with Field Verification, Collections, Sales, and Risk teams to continuously improve loan quality and reduce default rates.
- Develop, optimize, and implement underwriting standards, policies, and operational process improvements.
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
- 5-8 years of proven experience in credit underwriting, credit risk management, or SME lending.
- Previous experience working in banking, fintech, digital lending, or microfinance is mandatory.
- Sound understanding of SME credit analysis, financial statement analysis, and regulatory lending policies.
- Excellent leadership, stakeholder management, analytical, and report-writing skills.
- Professional certifications such as ACIB, ACA, ACCA, CFA, FRM, or CRCMP will be an added advantage.
- Competitive salary and performance-based bonuses.
- Comprehensive health insurance coverage.
- Opportunities for professional growth and career advancement in a fast-paced fintech environment.
- A collaborative and innovative workplace culture.