Lead, Credit Risk Assessment

As an Underwriter at Kaleidofin Capital, your role involves being thorough in underwriting credit risk for both Financial Institutions and borrowers originated through a partnership driven model. You will have the opportunity to serve the under-served informal sector enterprises by enabling access to suitable finance. **Key Responsibilities:** - Develop and Manage Credit Underwriting Framework: Evolve and implement a comprehensive credit underwriting framework that aligns with business goals, regulatory requirements, and market conditions for both institutional underwriting and borrower underwriting. - Actively oversee credit risk identification, assessment, and mitigation strategies across credit, operational, and compliance risks. - Ensure policies and frameworks are updated to identify, assess, monitor, measure, and control various risks. - Monitor emerging credit risks such as identity fraud and recommend proactive measures. - Credit Risk Management: Develop a deep understanding of each business partner's sourcing, collections, credit underwriting parameters, policies, and practices to create a loan book with minimal expected credit losses and optimal rejections. - Manage risk for both retail and wholesale portfolios. - Implement organization-level credit underwriting/risk policies and procedures, including underwriting standards, risk appetite frameworks, and collaboration with machine learning credit scoring models and collections processes. **Qualifications Required:** - Experience in developing and managing credit underwriting frameworks. - Strong understanding of credit risk management principles and practices. - Ability to work alongside machine learning credit scoring models. - Previous experience in managing organization-level credit underwriting/risk policies and procedures. - Knowledge of regulatory requirements and market conditions related to credit underwriting. Kaleidofin Capital serves informal sector enterprises by providing access to finance and driving customer origination through a partnership model. Join the team to make a difference by enabling access to suitable finance for under-served sectors. As an Underwriter at Kaleidofin Capital, your role involves being thorough in underwriting credit risk for both Financial Institutions and borrowers originated through a partnership driven model. You will have the opportunity to serve the under-served informal sector enterprises by enabling access to suitable finance. **Key Responsibilities:** - Develop and Manage Credit Underwriting Framework: Evolve and implement a comprehensive credit underwriting framework that aligns with business goals, regulatory requirements, and market conditions for both institutional underwriting and borrower underwriting. - Actively oversee credit risk identification, assessment, and mitigation strategies across credit, operational, and compliance risks. - Ensure policies and frameworks are updated to identify, assess, monitor, measure, and control various risks. - Monitor emerging credit risks such as identity fraud and recommend proactive measures. - Credit Risk Management: Develop a deep understanding of each business partner's sourcing, collections, credit underwriting parameters, policies, and practices to create a loan book with minimal expected credit losses and optimal rejections. - Manage risk for both retail and wholesale portfolios. - Implement organization-level credit underwriting/risk policies and procedures, including underwriting standards, risk appetite frameworks, and collaboration with machine learning credit scoring models and collections processes. **Qualifications Required:** - Experience in developing and managing credit underwriting frameworks. - Strong understanding of credit risk management principles and practices. - Ability to work alongside machine learning credit scoring models. - Previous experience in managing organization-level credit underwriting/risk policies and procedures. - Knowledge of regulatory requirements and market conditions related to credit underwriting. Kaleidofin Capital serves informal sector enterprises by providing access to finance and driving customer origination through a partnership model. Join the team to make a difference by enabling access to suitable finance for under-served sectors.