AI Credit Decisioning & Underwriting Analyst

Santriya Technologies; United States; Remote; USD 70,000 - 110,000; Full time

Job summary

Santriya Technologies is seeking an AI Credit Decisioning & Underwriting Analyst to assess credit applications using approved automated decisioning, risk models and documented underwriting policy, providing human review for exceptions and complex cases.

Responsibilities include reviewing application and bureau data, understanding model outputs, performing manual reviews for exceptions, and ensuring data integrity while adhering to policy and regulations.

Qualifications

• Experience reviewing credit applications with risk-based decisioning.
• Familiarity with underwriting policy and compliance requirements.
• Ability to explain decisions with documented rationale.

Responsibilities

• Review applications, bureau data, banking information for eligibility and affordability.
• Understand model outputs and policy rules; review automated decisions.
• Perform manual review for exceptions with documented rationale.
• Verify customer data and investigate inconsistencies or potential manipulation.
• Escalate policy exceptions and model concerns to credit risk owners.

Job description

Job Summary

Santriya Technologies is seeking an AI Credit Decisioning & Underwriting Analyst to assess consumer or business credit applications using approved automated decisioning, risk models and documented underwriting policy, providing human review for exceptions and complex cases.

Product & documentation operating model: You will be assigned one or more company products, client solutions or operational services. The approved product documentation, SOPs, policies, process maps, knowledge articles, release notes, controls, scripts and AI runbooks are the source of truth. Use only approved enterprise AI tools to retrieve, summarize, draft, classify, prioritize or automate work. Validate material AI outputs against current documentation and authoritative system data, record exceptions, and escalated conflicts or missing guidance. Do not invent product features, prices, customer entitlements, engineering limits, regulatory positions or safety instructions.

Key Responsibilities

• Review application, bureau, banking, financial and fraud information for eligibility and affordability.
• Understand model/score outputs, key drivers and policy rules rather than treating automated decisions as unquestionable.
• Perform manual review for referred, borderline or exception cases with documented rationale.
• Verify customer data and investigate inconsistencies or potential manipulation.
• Apply credit policy, delegated authority and fair-customer treatment requirements consistently.
• Escalate policy exceptions and model concerns to credit risk owners.
• Track approval, decline, override and performance outcomes to improve policy and models.
• Never use unapproved AI to make or explain credit decisions.

AI-enabled ways of working

• Use approved GenAI copilots, enterprise search/RAG, analytics and workflow agents to reduce repetitive work and improve decision preparation.
• Keep prompts, outputs and automated actions within approved data-access, confidentiality and retention rules.
• Correct inaccurate summaries, classifications or recommendations before they become customer, operational or system records.
• Feed recurring AI errors, knowledge gaps and process friction into product, documentation and control improvement.

Human accountability

AI is a copilot, not the accountable decision-maker. The role holder remains responsible for judgement, quality, privacy, security and appropriate escalation. Credit, fraud blocking, legal/regulatory, financial advice, safety-critical, clinical, employment and other high-impact decisions must follow delegated authority and required human review.

Success Measures

• Decision turnaround improves
• Override quality and consistency improve
• Bad-rate/fraud outcomes stay within appetite
• Decision explanations are documented and defensible