Schedule: Monday to Friday, AU Shift (9:00 AM – 6:00 PM Sydney Time / 7:00 AM – 4:00 PM Manila Time)

Position Type: Full-time (Remote)

Reporting to: Senior Operations Manager

 

About the Role

We are seeking a senior, performance-driven Underwriting & Lending Operations Lead to take full accountability for our credit underwriting queue, decision quality, and team performance. Reporting directly to the Senior Operations Manager, this role is vital to maintaining market confidence by driving rapid turnaround times, enforcing quality controls, and managing the daily output of the underwriting staff.

In this role, you will lead and mentor the underwriting team, building an efficient, high-accountability environment where application completeness, processing speed, and credit risk mitigation are the primary focus.

 

Key Responsibilities

• Team Leadership & Performance Management: Direct and manage the day-to-day activities of the underwriting team, setting clear output targets, monitoring daily performance, and holding staff accountable to operational KPIs.
• Queue & Turnaround Management: Own the end-to-end application queue, ensuring same-day funding coverage and that every complete application receives an initial decision within 24 hours.
• Queue Accountability: Maintain the pending application queue below 5% of monthly assessment volume. Ensure no application remains undecided for more than five business days and that every pending file carries a clear written reason and defined next step.
• Quality Control & Risk Mitigation: Conduct regular quality checks on financial assessments, bank statement analyses, and final underwriting reviews completed by the team to minimize portfolio defaults and uphold credit policy standards.
• Reporting & Escalations: Track and report critical operational metrics, such as decline ratios, assessment turnaround times, and staff output, directly to the Senior Operations Manager, escalating operational risks early.
• Cross-Functional Workflow: Partner with the sales and front-office teams to verify that only complete, qualified applications passing initial credit filters are passed to the underwriting team.
• Process Optimization: Identify bottlenecks in team workflows and implement standardized shift coverage to handle volume spikes seamlessly within established cut-off times.

 

Requirements

• Industry Experience: Proven senior underwriting or credit operations experience within commercial finance, FinTech, merchant cash advances (MCA), or business lending.
• People Management Capabilities: Strong leadership skills with a proven track record of managing staff, driving team accountability, and balancing output with risk controls.
• Analytical Expertise: Expert-level proficiency in financial statement analysis, bank statement review, and credit risk assessment.
• Operational Discipline: Comfortable working within structured AU business hours to hit daily financial, processing, and team management targets.