Senior Credit Verification Manager

Job Description

Title: Senior Credit Verification Manager

Company Name: Sahaj Mobile BD Ltd

Vacancy: 1

Age: 28 to 50 years

Job Location: Dhaka

Salary: Negotiable

Experience:

• 5 to 7 years
• The applicants should have experience in the following business area(s): Banks, Investment/Merchant Banking, Micro-Credit, Financial Technology (Fintech) Startup

• Master of Business Administration (MBA) in Finance, Finance & Banking
• Bachelor of Business Administration (BBA) in Finance
• Master of Commerce (MCom) in Finance & Banking

• 5 to 7 years
• The applicants should have experience in the following business area(s): Banks, Investment/Merchant Banking, Micro-Credit, Financial Technology (Fintech) Startup

• Age 28 to 50 years

SahajMobile is building credit infrastructure for underserved Bangladeshis — riders, garment workers, students, freelancers — financing smartphones through retail partners, verified via NID and alternative data, and secured through device-level collateral. We're institutionally funded and scaling fast.

THE ROLE

This is an operations leadership role. You'll own end-to-end verification — setting standards, managing the team, and acting as the operational checkpoint that keeps our portfolio healthy from day one. You'll work closely with credit risk, collections, sales ops, and product, with a direct line to the CEO.

WHAT YOU'LL DO

Verification operations:

Own daily verification across NID validation, guarantor checks, employment confirmation, address verification, and mobile wallet screening. Manage queues, shift planning, and escalations to consistently hit SLA and TAT at volume.

Fraud & risk management:

Identify and act on fraud patterns — fake NIDs, synthetic identities, duplicate applications. Review high-risk edge cases before final underwriting. Maintain strict KYC and AML compliance across field and tele channels.

Team leadership:

Lead and develop Verification Officers and Team Leads across field and tele channels. Set clear performance targets — TAT, accuracy, approval quality, compliance — and hold the team accountable.

Process & systems:

Identify bottlenecks, fix them, and document the change. Work with product and tech to improve verification tooling, automate repetitive checks, and keep SOPs and audit documentation current.

Reporting & coordination:

Own the MIS — daily, weekly, and monthly reporting on TAT, approval ratios, fraud rates, and portfolio quality. Be the coordination layer between credit, collections, sales ops, compliance, and tech.

WHAT WE'RE LOOKING FOR

• 5–7 years in credit verification, credit operations, or risk management — digital lending, BNPL, EMI financing, microfinance, or device financing

• Minimum 2 years leading a verification or credit ops team with direct accountability for performance outcomes

• Hands-on experience with NID-based verification, guarantor validation, and fraud patterns common in cardless EMI or consumer device financing in Bangladesh

• Proficient in Excel, Google Sheets, LMS platforms, and MIS dashboards — you pull and present your own numbers

• Clear communicator across credit, sales, tech, and senior management; high ownership; calm under pressure

• Bachelor's or Master's in Business, Finance, or a related field

WHY THIS ROLE

• Full ownership of the function that determines who gets a Sahaj loan — your team's decisions shape portfolio quality, repayment rates, and the credit scores our customers build

• Direct line to the CEO and founding team

• Competitive salary, two festival bonuses, and applicable benefits

• A technology-driven environment where verification is a strategic function — not a back office