{"id":3015932,"url":"https://alion.io/job/credpal-credit-underwriter","title":"Credit Underwriter","company":{"id":177265,"name":"CredPal","domain":"credpal.com","url":"https://alion.io/company/credpal","size_band":"501-1000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Zoho Recruit","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"middle","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Lagos, Nigeria"],"countries":["NG"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":6000,"max_usd":18000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":3248},"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Microsoft Excel","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-10-21T16:35:40Z","employer_posted_date":"2026-10-21","last_verified_at":"2026-10-26T13:31:58Z","board_verified":true,"closed_at":null,"days_open":4,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":4},"description":"CredPal is a leading financial technology company that offers a comprehensive range of financial solutions, including credit cards and investment opportunities, to empower individuals. Our mission is to revolutionize access to credit and investment, enabling individuals to take charge of their financial well-being.\nJob Title: Credit Underwriter\nJob Type: Full Time\nLevel: Junior - Mid Level\nPurpose Statement\nWe are seeking an experienced Credit Underwriter who will be responsible for assessing credit card applications, evaluating applicants' creditworthiness, and making data-driven credit decisions that balance portfolio growth with effective risk management. The role will ensure responsible credit limit allocation, minimise default risks, and maintain compliance with the company's credit policies and regulatory requirements.\nResponsibilities\nEvaluate credit card applications by analysing applicants' financial information, income, bank statements, credit bureau reports, and transaction history to determine creditworthiness.\n\nAssess applicants' repayment capacity, debt obligations, credit behaviour, and overall risk exposure to determine eligibility for credit facilities.\n\nRecommend appropriate credit limits, pricing, and other credit terms based on risk assessment and established underwriting guidelines.\n\nReview and verify the accuracy, completeness, and authenticity of submitted applications and supporting documentation.\n\nMake informed credit approval, rejection, or escalation decisions within delegated authority and established credit policies.\n\nIdentify potential fraud indicators, inconsistencies, and high-risk applications, recommending appropriate risk mitigation measures.\n\nCollaborate with Product, Sales, Credit Operations, and Risk teams to improve credit assessment processes, decision quality, and application turnaround time.\n\nReview existing cardholders' credit performance and recommend credit limit increases, reductions, or restrictions based on repayment behaviour and risk exposure.\n\nMonitor early delinquency trends and underwriting outcomes to identify gaps and recommend improvements to credit assessment criteria.\n\nEnsure compliance with internal credit policies, regulatory requirements, and established risk management standards while maintaining accurate credit decision records.\n\nKey Performance Indicators (KPIs)\nUnderwriting Turnaround Time: Timely assessment and decisioning of credit card applications within agreed SLAs.\n\nFirst Payment Default Rate: Minimise defaults on initial repayment obligations.\n\nEarly Delinquency Rate: Maintain acceptable delinquency levels among newly approved cardholders.\n\nCredit Decision Quality: Ensure approved credit limits align with applicants' repayment capacity and risk profiles.\n\nCredit Policy Compliance: Maintain adherence to underwriting policies, approval limits, and regulatory requirements.\n\nUnderwriting Productivity: Meet agreed application processing volumes without compromising assessment quality.\n\nRequirements\nBachelor's degree in Finance, Economics, Accounting, Statistics, or a related field.\n\nMinimum of 3 years' experience in credit underwriting, credit risk analysis, or consumer lending, preferably within a fintech or financial institution.\n\nStrong understanding of credit card underwriting, consumer credit risk, credit scoring models, and credit bureau reporting.\n\nProficiency in financial analysis, income verification, debt-to-income assessment, and credit limit determination.\n\nGood knowledge of credit policies, fraud detection, and relevant lending regulations.\n\nStrong analytical and quantitative skills, with proficiency in data analysis tools such as: Microsoft Excel; experience with SQL or credit decisioning systems is an advantage.\n\nExcellent attention to detail, sound judgement, and ability to make timely, risk-based credit decisions.\n\nEffective communication skills, with the ability to convey complex information clearly to stakeholders.\n\nAbility to thrive in a fast-paced and dynamic environment.\n\nProficiency in risk management software and tools is an advantage.\n\nBenefits\nCompetitive salary and performance-based bonuses\n\nProfessional development and growth opportunities.\n\nA dynamic and innovative work environment.\n\nHybrid work options for flexibility and work-life balance.","description_format":"text","description_chars":4315,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["Growth opportunities","Hybrid work","Professional development"],"hiring_locations":[{"name":"Nigeria","iso":"NG","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Consumer Loans & Pawnshops","Microfinance","Buy Now, Pay Later"],"lifecycle":[{"event":"open","at":"2026-10-21T16:35:40Z"}],"visa":[],"liveness":{"score":90,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.903,"p_room":1,"age_days":4,"expected_fill_days":29,"reasons":["conf:1","velocity","win:early"],"computed_at":"2026-10-26T05:57:25Z"},"pay":null,"html_url":"https://alion.io/job/credpal-credit-underwriter","json_url":"https://alion.io/job/credpal-credit-underwriter.json","meta":{"generated_at":"2026-10-26T16:26:53Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":21920,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-27T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":177265},"rest":"https://alion.io/mcp/rest/get_company?id=177265"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fcredpal-credit-underwriter"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fcredpal-credit-underwriter"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fcredpal-credit-underwriter"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/credpal-credit-underwriter\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fcredpal-credit-underwriter"}]}