US Credit Originations SME

We're looking for a seasoned professional with extensive knowledge of the US credit originations and account-opening lifecycle to lead the operational management and optimisation of our credit card originations processes. The Credit Originations SME will bring deep understanding of application intake, underwriting support, and decisioning to support daily operations and drive compliant, efficient onboarding of new accounts.

Responsibilities

Lead the operational management and optimisation of credit card originations processes; Support daily operations with application intake, underwriting support, and decisioning; Drive compliant, efficient onboarding of new accounts

Requirements

Extensive knowledge of the US credit originations and account-opening ecosystem, gained from previous experience at a bank, issuer processor, or fintech lender; Deep understanding of the end-to-end originations lifecycle: application intake, identity verification, credit decisioning, underwriting support, funding, and account set-up; Strong knowledge of credit bureau data and scoring (Experian, Equifax, TransUnion), decisioning engines, and risk-based pricing; Working knowledge of KYC / KYB / CIP and AML requirements as they apply to account opening; Familiarity with the regulatory framework governing originations, including Regulation B (ECOA), Regulation Z (TILA), FCRA, and adverse action requirements; Proven ability to act as the central point of contact for the operations team on all things US credit originations, responding to queries and sharing insight from industry experience; Skilled at building strong relationships across departments (e.g. Implementations, Operations, Product, Risk) to foster teamwork and alignment on goals; Experience owning an operational learning strategy for US credit originations, upskilling internal teams and sharing knowledge and best practice; Comfortable working in a fast-paced environment where client service and understanding are critical to success; Exceptional oral and written communication skills in English, with the ability to adapt style and language for diverse audiences; Strong attention to detail and a methodical approach; Effective time management, with a strong sense of urgency and the ability to prioritise workloads; Able to work effectively both independently and as part of a team

Nice to have

Familiarity with Mastercard, Visa, Amex, and Discover originations requirements and platform functionality; Exposure to fraud and identity verification tools used at point of application; LoanPro, Taktile and Bloom experience