Credit Underwriter

At Wio, we’re building a different kind of bank — digital-first, data-led, and responsibly bold.

We’re looking for a Retail Credit Underwriter who knows how to balance growth with discipline. Someone who understands that underwriting isn’t just about saying yes or no — it’s about making confident, well-documented decisions that protect customers and power sustainable lending.

If you thrive in structured environments, think analytically, and care about policy integrity — this role is for you.

What You’ll Do

• Underwrite retail lending applications across Credit Cards, Personal Loans, and Auto Loans in line with Wio’s credit policy and UAE regulatory standards.
• Apply strong judgment using AECB data, income verification, affordability assessments, and internal risk parameters.
• Document every decision clearly and consistently — audit-ready, structured, and policy-aligned.
• Operate within digital underwriting platforms and decision engines in a secure, controlled-access environment.
• Manage exceptions responsibly, escalating where required within governance frameworks.
• Partner closely with Sales, Operations, and Collections to deliver fast, seamless customer journeys — without compromising risk standards.
• Identify early risk trends and share insights that help refine credit strategy and portfolio quality.
• Contribute to continuous improvement of underwriting workflows and decision consistency.
  
  

• 5+ years of hands-on retail underwriting experience within a UAE bank.
• Direct exposure to:
• Credit Cards
• Personal Loans
• Auto Loans
• Strong understanding of the UAE retail lending ecosystem, including:
• AECB bureau analysis
• Central Bank retail lending regulations
• Affordability assessment frameworks
• Lending / LOS systems
• A governance-first mindset — disciplined documentation, policy interpretation, and exception handling.
• Comfort working in digital systems and structured workflows.
• Bachelor’s degree in Finance, Accounting, or Business (Master’s preferred).
  
  

• Strong Excel skills (Pivot Tables, XLOOKUP/VLOOKUP, SUMIFS/COUNTIFS, basic dashboards).
• Experience in a digital bank or fintech lending environment preferrably.
• Exposure to decision engine logic or automation enhancements.