Fintech Risk Underwriter

Gomotive; Islamabad, Lahore; On-site; PKR 2,500,000 - 4,200,000; Full time

Job summary

Motive is seeking an experienced underwriting professional to join our Risk Management team. You will review and assess financial risk for new and existing customers, making decisions guided by policy and collaborating with sales, data science, and product teams to enhance customer experience.

Responsibilities include analyzing financial statements, bank statements, and credit reports; communicating with clients and sales; determining approvability or exceptions; and driving improvements across

Qualifications

• 2-3+ years of underwriting experience in financial services, high-growth payments, or fintech company.
• Strong critical reasoning, problem solving and analytical skills.
• Ability to work independently and thrive in a collaborative team environment.
• Excellent oral and written communication skills.
• Familiar with fundamentals of financial risk assessment.
• Familiar with the U.S. compliance, lending & regulatory environment (KYC, Reg B, Reg Z, UDAAP, FCBA, Truth in Lending Act).
• Experience with quantitative and qualitative analysis.
• Strong organization, and time management skills.
• Proven experience with bank based & financial underwriting.
• Highly motivated, organized, reliable, and has demonstrated competency in mathematics and financial spreading.

Responsibilities

• Collect, review and analyze applicants' relevant financial, demographic, and historic information and records.
• Directly communicate with clients & sales about application status.
• Clearly articulate why and when additional documents are needed in order to determine a client's creditworthiness.
• Make determination whether to approve, decline or seek an exception for an application based on policy guidelines.
• Make quality decisions in a timely and efficient manner within expected SLA.
• Perform portfolio management, evaluating and identifying suspicious or questionable items.
• Recommend policy and process improvement to mitigate potential failure points throughout the underwriting journey.
• Bank statement analysis, financial spreading and risk ratio analysis culminating with underwriting memo.

Job description

Motive is seeking an experienced underwriting professional to join our Risk Management team. You will review and assess financial risk for new and existing customers, making decisions guided by policy and collaborating with sales, data science, and product teams to enhance customer experience.

Responsibilities include analyzing financial statements, bank statements, and credit reports; communicating with clients and sales; determining approvability or exceptions; and driving improvements across