US Credit Originations SME

Job Description

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.

Qualifications

• 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

Desirable

• 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

Additional Information

We are committed to fostering a diverse, equitable, and inclusive workplace where all employees and prospective staff are treated with respect and provided equal employment opportunities, regardless of race, color, religion, sex, national origin, age, marital status, disability, veteran status, or any other characteristic protected by applicable law.

At times, government agencies require periodic reports from employers on the sex, ethnicity, handicap, veteran and other protected status of employees. The purpose of this Administrative EEO Record is for statistical analysis only and is used to comply with government record keeping, reporting, and other legal requirements. Periodic reports are made to the government on the following information. The completion of the Administrative EEO record is optional. If you choose to volunteer the requested information, please note that all Administrative EEO Records are kept in a Confidential File and are not part of your Application for Employment or Personnel file. Please note: YOUR COOPERATION IS VOLUNTARY. INCLUSION OR EXCLUSION OF ANY DATA WILL NOT AFFECT ANY EMPLOYMENT DECISION.