Your Role as Credit Ops Executive:
As a Credit Ops Executive, you will be essential in supporting our risk team by auditing and conducting
hindsight reviews of the personal loan underwriting process. Additionally, you will play a key role in
manual underwriting for personal loans, ensuring robust and thorough assessments.
1. Credit Underwriting:
● Conduct thorough credit assessments to evaluate the creditworthiness of loan applicants.
● Review and analyze personal loan applications, assessing financial statements, credit reports,
and cash flow projections.
● Utilize advanced credit scoring models and strategies for informed decision-making.
2. Risk Analysis & Hindsight:
● Identify and evaluate potential risks in loan applications and develop effective risk mitigation
Insights.
● Recommend appropriate loan terms and conditions, ensuring alignment with Olyv’s risk
policies.
● Make timely and well-justified decisions on loan approvals, declines, and counter-offers.
● Collaborate with risk and tech teams to support credit decisions and troubleshoot technical
issues.
3. Continuous Improvement:
● Stay updated with the latest industry trends, regulatory changes, and best practices in credit
risk assessment.
● Propose innovative process improvements to enhance credit assessment procedures.
4. Reporting:
● Prepare detailed reports on credit portfolio performance, delinquencies, and risk exposure for
management insights.
Who You Are:
● You have 0.6 to 1 years of experience in credit operations or underwriting.
● You hold a graduate degree.
● You possess expertise in underwriting, and secured/unsecured loans, and have proficiency in Excel
and basic SQL.
● Preferred: Experience in lending and portfolio management strategies.
Why Olyv?
● Innovative Culture: Be part of a team that embraces creativity and collaboration.
● Professional Growth: Access to learning opportunities, mentorship, and career advancement.
● Impactful Work: Contribute to financial inclusion and the empowerment of millions.
● Supportive Environment: Work with a team that values your ideas and input.