Credit Underwriter at Asiacruit BPO, Inc.

Tacloban City, Eastern Visayas Province, Philippines -

Full Time

Start Date

Immediate

Expiry Date

05 Aug, 26

Salary

0.0

Posted On

07 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Risk Management, Loan Underwriting, Financial Statement Analysis, Regulatory Compliance, Fraud Detection, Microsoft Excel, Credit Scoring Models, Consumer Lending, Decision Making, Communication Skills, Organizational Skills

Industry

Outsourcing and Offshoring Consulting

Description

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 Responsibilities 1. 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 2. Risk Management & Compliance 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 3. Collaboration & Process Support 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 4. Continuous Improvement & Innovation 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 Qualifications & Job Requirements 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 careers@asiacruit.com with the subject line: “Credit Underwriter – [Your Name]”

Responsibilities

The Credit Underwriter evaluates loan applications and assesses creditworthiness to ensure sound risk management in a fintech environment. They collaborate with cross-functional teams to align underwriting criteria with business objectives and improve credit policies.