Credit Underwriting & Originations Specialist

Sutherland; Perímetro Urbano Barranquilla; Remote; COP 284,783,000 - 411,353,000; Full time

Job summary

Sutherland is seeking a seasoned Credit Underwriting & Origination Specialist to lead the US credit card lifecycle—from application and account opening to portfolio management, delinquency, and collections. You will apply deep expertise in credit risk, policy, and operations to ensure compliant, efficient processes for our client programs.

Ideal candidates have experience in banks, card issuers, issuer processors, or fintech lenders, with knowledge of Experian, Equifax, and TransUnion and

Qualifications

• Significant experience within the US credit card, consumer lending, banking, fintech, or issuer-processing industries.

Responsibilities

• Serve as the primary SME for US credit card operations and the end-to-end credit lifecycle.
• Provide expert guidance on application intake, identity verification, underwriting support, credit decisioning, account setup, portfolio management, collections, and charge-off processes.
• Partner with Operations, Product, Risk, Implementation, and Client teams to drive operational effectiveness and best practices.
• Develop and maintain standard operating procedures, training materials, and operational frameworks.
• Lead initiatives to upskill teams on US credit card operations, originations, and regulatory requirements.
• Analyze operational and portfolio metrics, identifying opportunities for process improvement and enhanced performance.
• Monitor key indicators including approval rates, abandonment rates, delinquency, roll rates, charge-offs, and portfolio health metrics.
• Ensure operational processes remain aligned with regulatory and compliance requirements.
• Act as a trusted advisor for internal stakeholders and clients on all matters related to US credit card operations and lending practices.

Job description

JOB DESCRIPTION: CREDIT UNDERWRITING & ORIGINATIONS SPECIALIST

We are seeking a seasoned Credit SME to serve as the subject matter expert across the full US credit card lifecycle, from application and account opening through portfolio management, delinquency, collections, and charge-off. This individual will play a critical role in supporting operational excellence, regulatory compliance, process optimization, and client delivery across our credit card programs.

The ideal candidate will bring extensive experience from a bank, card issuer, issuer processor, or fintech lender and possess deep expertise in US consumer credit, credit risk, originations, underwriting, and credit card operations.

Key Responsibilities:

• Serve as the primary SME for US credit card operations and the end-to-end credit lifecycle.
• Provide expert guidance on application intake, identity verification, underwriting support, credit decisioning, account setup, portfolio management, collections, and charge-off processes.
• Partner with Operations, Product, Risk, Implementation, and Client teams to drive operational effectiveness and best practices.
• Develop and maintain standard operating procedures, training materials, and operational frameworks.
• Lead initiatives to upskill teams on US credit card operations, originations, and regulatory requirements.
• Analyze operational and portfolio metrics, identifying opportunities for process improvement and enhanced performance.
• Monitor key indicators including approval rates, abandonment rates, delinquency, roll rates, charge-offs, and portfolio health metrics.
• Ensure operational processes remain aligned with regulatory and compliance requirements.
• Act as a trusted advisor for internal stakeholders and clients on all matters related to US credit card operations and lending practices.
• Required Experience
• Significant experience within the US credit card, consumer lending, banking, fintech, or issuer-processing industries.

Deep knowledge of:

• Credit card originations and account opening
• Application intake and underwriting support
• Identity verification and fraud controls
• Credit policy and decisioning
• Credit line assignment and management
• Billing and statement cycles
• Delinquency management, collections, recoveries, and charge-offs
• Strong understanding of credit bureau data and scoring methodologies, including Experian, Equifax, and TransUnion.
• Knowledge of credit risk management and consumer lending principles.
• Familiarity with KYC, KYB, CIP, and AML requirements.
• Strong understanding of applicable US regulations, including ECOA (Regulation B), TILA (Regulation Z), FCRA, and adverse action requirements.
• Experience collaborating across Operations, Risk, Product, and Implementation teams.
• Proven ability to develop operational learning strategies, training programs, and process documentation.
• Exceptional communication, stakeholder management, and problem-solving skills.
• Preferred Qualifications
• Experience supporting Visa, Mastercard, American Express, and/or Discover credit card programs.
• Exposure to fraud prevention and identity verification technologies.
• Experience with LoanPro, Taktile, Bloom, or similar lending and decisioning platforms.
• Professional certifications such as CRCM, CAMS, CRC, CFE, CCE, CTP, or related industry credentials.