Manager/Senior Manager, Digital Loan Underwriting

Job Description

Title: Manager/Senior Manager, Digital Loan Underwriting

Company Name: BRAC Bank PLC

Vacancy: --

Age: Na

Job Location: Anywhere in Bangladesh

Salary: --

Experience:

• At least 8 years
• The applicants should have experience in the following business area(s): Banks

• At least 8 years
• The applicants should have experience in the following business area(s): Banks

• Minimum 8 years of relevant experience in loan underwriting, credit risk, digital lending, or related financial services.

• Prior experience in digital loan products, alternative lending, or fintech-enabled underwriting is preferred.

• Hands-on experience in process design, process re-engineering, and documentation (SOP, policy notes, UAT documents).

• Exposure to UAT (User Acceptance Testing) for digital lending systems, LOS/LMS, or underwriting platforms.

• Solid grasp of credit risk assessment, borrower profiling, income analysis, and repayment capacity evaluation.

• Ability to interpret portfolio trends, underwriting exceptions, and risk indicators in the digital channel.

• Strong experience in working with IT, Product, Operations, Risk, Compliance, and Business teams.

• Ability to manage multi-functional coordination for digital product rollout and enhancements.

• Strong interpersonal and communication skills.

• Customer-centric, self-motivated, a team player, and capable of meeting deadlines.

BRAC Bank PLC is a full-service private commercial bank in Bangladesh, aiming to become the most trusted, innovative, and inclusive bank, driven by purpose and powered by people. It plays a pivotal role in shaping the country`s financial future, with a clear focus on sustainability. With the highest market capitalization, the highest international shareholding, and the country’s best credit rating, the bank leads the Bangladesh banking industry in key financial metrics. BRAC Bank is regarded as the standard-bearer of good governance, ethics, and values-based banking. Today, BRAC Bank serves as a trusted partner for individuals and businesses across every segment of the economy—Small & Medium Enterprises (SME), Corporate & Institutional, and Retail Banking.

BRAC Bank PLC is currently seeking a highly motivated, intelligent, and purpose-driven professional to join its Risk Management Division in the following position:

Manager/Senior Manager, Digital Loan Underwriting

Grade: SPO - AVP

KEY RESPONSIBILITIES:

• Lead end-to-end policy development and product design for digital lending products.

• Monitor the performance and health of the digital loan (Retail, SME & Agri) portfolio.

• Conduct frequent field visits to validate data accuracy and ensure partner-provided data reliability.

• Develop and maintain regular reports and a dashboard for internal stakeholders, ensuring visibility of key lending metrics.

• Collaborate with partners and field teams to ensure effective monitoring of SME and Agri Loan.

• Contribute to the development and enhancement of automated loan monitoring tools and systems.

• Map user journey and design digital UX for new lending features to enhance operational efficiency.

• Collaborate with Technology, Operations, and Business teams to ensure the successful rollout of the product through digital channels.

• Develop and design digital financing products for Retail and SME digital loans, incorporating seamless onboarding and underwriting flows.

• Identify problems in collaboration with the internal stakeholders and deliver the desired outcome within timelines.

• Engage with internal stakeholders from risk, products, portfolio, etc., during the process of identification of data, and pre-approved customer list generation.

• Analyze borrower data to support decision-making in digital loan underwriting processes.

• Ensure high data accuracy and integrity, flag and follow up on discrepancies or quality concerns.