Credit Risk Manager

About the role

PalmPay is seeking a senior Credit Risk Manager to lead its SME loan underwriting function. The role focuses on delivering high‑quality credit decisions while supporting sustainable growth and minimizing losses.

Key responsibilities

• Lead and supervise the Credit Underwriting team, ensuring timely and accurate credit decisions.
• Review and approve SME loan applications in line with the company’s credit policy and risk framework.
• Assess complex credit proposals, financial statements, cash‑flow forecasts and overall business performance.
• Monitor portfolio quality, identify emerging credit risks and recommend mitigation strategies.
• Collaborate closely with Field Verification, Collections, Sales and Risk teams to improve loan quality and reduce default rates.
• Develop and implement underwriting standards, policies and continuous process improvements.

Required profile

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration or a related field.
• 5‑8 years of experience in credit underwriting, credit risk management or SME lending.
• Previous experience in banking, fintech, digital lending or micro‑finance is mandatory.
• Professional certifications such as ACIB, ACA, ACCA, CFA, FRM, CRCMP or similar are a plus.

Required skills

• Strong knowledge of SME credit analysis and financial statement evaluation.
• Excellent leadership, stakeholder management and report‑writing abilities.