Credit Underwriter

Liberis

ABOUT LIBERIS Liberis is on a mission to supercharge the power of small businesses around the world by delivering the financial products they need to grow, through our global network of partners. Before all else, Liberis is a technology company, connecting finance with small businesses. We use data to help partners understand their customers’ real-time needs and build technology that enables partners to offer tailored funding and financial products. To date, we’ve funded almost 50,000 small businesses with over $2bn - but we believe this is just the beginning.    The Role We’re looking for an experienced Underwriter based in Mumbai who thrives on challenges, values autonomy, and is passionate about finance that supports small businesses not just turning a profit. You’ll be responsible for underwriting new finance proposals that protect and deliver value to Liberis, while enhancing our processes through your expertise. Reporting to the Senior Underwriting Manager, you’ll combine technical and analytical skills to ensure data-driven decisions while staying within the organization's risk appetite. What you’ll be doing * Underwriting new and repeat business requests, evaluating multiple sources of data to make sound, rational decisions. * Engaging directly with prospective customers to gather additional information and communicate approve/decline decisions clearly. * Acting as a referral point for internal stakeholders, ensuring correct policies and procedures are consistently applied. * Driving improvements in underwriting processes to maintain the right balance between customer experience and risk protection. * Leveraging SQL, Python, GCP, and DBT to analyze financial data, automate workflows, and produce actionable insights. * Using advanced Excel skills to model scenarios, interpret management accounts, cash flow statements, and assess credit risk. What we think you’ll need * 2+ years of experience in underwriting, preferably within small business finance. * Strong analytical and problem-solving skills, with meticulous attention to detail. * Deep understanding of financial statements, cash flow, and management accounts to assess affordability, sustainability, and credit risk. * Proficiency in SQL, Python, Excel, GCP, and DBT for financial and operational analysis. * Ability to make confident decisions and clearly articulate reasoning to colleagues and clients. * Excellent verbal and written communication skills, capable of conveying complex findings logically and concisely. * Ability to adapt and refocus in a fast-paced, growing environment. Qualifications * Bachelor’s degree in Finance, Economics, or a quantitative field; Master’s degree is a plus. * Demonstrable experience in data analytics and process improvement within underwriting. Liberis is an equal opportunities employer. We welcome applications from all candidates, including individuals with disabilities and provide reasonable adjustments as required.

Moniepoint

Who we are Moniepoint Inc. is Africa’s all-in-one financial platform, helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month.  As Nigeria’s largest merchant acquirer, we power most of the country’s point-of-sale (POS) transactions. Through our subsidiaries, Moniepoint Inc. processes over $250 billion in digital payment transaction value annually. About the role Senior Credit Underwriter will underwrite all SME, Mid-Corporate and Large Corporate lending applications that require manual underwriting within the Industry Sector.  You will also be responsible for ensuring lending remains within Risk Appetite and that performance is maintained within agreed target loan loss levels. In addition, you will work with the Head of Credit Risk Analytics and Chief Risk Officer to continually assess and define lending thresholds and parameters to ensure a balanced risk-based approach that also supports business growth objectives. Reporting to the Head of Credit Risk Analytics you will also be expected to continually innovate and identify areas of risk and opportunity within your portfolio, leveraging key data sources and indicators, whilst also leveraging your subjective matter expertise to ensure effective on-going credit risk management of the portfolio. You will also work closely with a range of business partners, including Sales, Product and Data Engineering teams to support new strategic product initiatives to drive the growth objectives of the business. Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth. Key Responsibilities  * Education and adoption of best practices in credit analysis, underwriting and monitoring, including the end-to-end underwriting process, right from early lending discussions with Sales teams to the development of credit approval memos for senior management and/or risk committee approval forums.. * Detailed review and due diligence of lending applications, including financial analysis, business projection modelling and viability, stress testing and other in-depth analysis required to support the sanctioning of large-ticket loans. * Responsible for the monitoring and portfolio health of the sector and conducting regular credit reviews and ad-hoc deep-dives to continually assess portfolio performance. * Drive positive change in the maturity of the underwriting framework and strategy.. * Continual interaction with a broad range of functions and stakeholders to drive credit risk maturity across the business. * Facilitating Risk initiatives and pilots by reviewing credit data. * Conducting periodic reviews of individual bad debts. Requirements * Significant experience underwriting SME and Large Corporate loans likely gained from a leading Financial Institution within Nigeria and primarily for businesses within the financial industry sector (must have). * Highly experienced in the end-to-end underwriting process for large ticket loans up to 5Bn NGN (must have). * Expert in the financial assessment of SME and Large Corporates using a broad range of data sources (e.g. Financials, Audited Accounts and Bank Statements etc.). * Expert in understanding headwinds and opportunities within the industry sector and must have detailed knowledge of macroeconomic and regulatory factors impacting this sector. * Experienced in the assessment of collateral and covenants to mitigate risk across secured and unsecured lending. * Strong awareness of Compliance and the Regulatory environment within Nigeria.     * Demonstrable experience of underwriting best practice and standards. Relevant Skills * Significant expertise underwriting large ticket (up-to 5Bn NGN) SME/Large-Corporate loans within Nigeria in the industry sector (essential). * Diligence and strong attention to detail. * Data driven and logical thinker. * Strong analytical skills * Excellent communication skills (verbal and written). * An ability to work autonomously * An ability to use an analytical approach to problem-solving * Strong team player. * High ethical and professional standards. What we can offer you * Culture - We put our people first and prioritise the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human. * Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks. * Compensation - You’ll receive an attractive salary, plus other benefits. What to expect in the hiring process * A preliminary phone call with one of our recruiters. * A technical interview with the Head of Credit Risk * An interview with a Business lead * A behavioural and technical interview with a member of the executive team.  Moniepoint is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Stripe

WHO WE ARE ABOUT STRIPE Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. ABOUT THE TEAM The Credit team protects Stripe by managing the end-to-end risk of our largest and most complex users. We leverage deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecycle—from onboarding to loss recovery. Our goal is to enable Stripe’s growth by making confident, calibrated decisions on our highest-exposure users. WHAT YOU’LL DO Stripe handles billions of dollars every year for businesses around the world, and the Risk team plays a critical role in the company’s financial and partnership success. As a Credit Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripe’s growth objectives while minimizing Stripe’s credit risk. This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance. RESPONSIBILITIES * Work directly with our top merchants, from successful venture-backed startups to well-established institutions, to evaluate their business models and financial statements. * Provide tailored credit risk recommendations that mitigate Stripe's exposure, while facilitating partner company growth. * Help manage the portfolio by developing a deep understanding of risk across industries, geographies, and operating models. * Deliver insights to support senior management decisions, ranging from onboarding strategies to merchant pricing analysis. * Support the refinement of tools and processes to help the team deliver on key performance indicators, such as credit loss targets or portfolio coverage metrics. * Work with internal and external partners to support merchants around the world. WHO YOU ARE We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. MINIMUM REQUIREMENTS * 3+ years of relevant experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting * Bachelor's degree in Finance, Economics, Statistics, or other related fields * Strong knowledge of accounting principles and comfort evaluating financial statements and business models across a range of industries * Ability to transform business and financial data into cohesive narratives that outline potential credit risks and present dynamic mitigation strategies * Strong written, verbal, and analytical skills * Attention to detail while managing priorities in a fast-paced environment * Ability to comfortably interact with the CFOs and CEOs of our top merchants * Deep empathy for entrepreneurs running a business and motivation to solve problems to empower them PREFERRED QUALIFICATIONS * Strong technical expertise, including demonstrated experience with SQL * Strong data visualization skills and a passion for data and analysis * Experience working in tech or other fast-paced, high-growth environments