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.

Sofi

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. Job Summary: This position is responsible for providing support across multiple pillars in the Sales, Operational, & QA teams.   Minimum Qualifications: * 4+ years of home lending underwriting experience. * Excellent written and verbal communication skills. * Proven ability to provide accurate and timely support in a fast-paced environment. Preferred Qualification: * Experience in Home Equity. Responsibilities: * Maintain up to date knowledge of loan program updates & internal credit policy requirements * Provide coverage for Home Equity Scenario Desk, responding to questions that include, but not limited to, the following: * Home Equity guideline questions * Occupancy questions * Income Calculation questions * Complex loan scenarios * Home Equity policies and procedures * Document common scenarios and create QRG/FAQs to support MLOs, Underwriters, Customer Experience Team, and Processors. * Tasked with SOP ownership & updates to the HE UW Department. * Participate in departmental meetings and provide input(s) on process improvements. * Assist Home Equity Underwriting Managers with reviewing Quality Assurance findings and providing feedback or targeted training to the HE Underwriting team.  * Work alongside Processing Leadership to identify cross-functional opportunities for both teams. * Ownership of addressing Internal Audit findings & remediation. * Act as a liaison between Credit Policy & Underwriters for credit exceptions in situations where UW Management may be unavailable. * Monthly review of credit policy exception requests & make recommendations for future credit policy revision. * Act as another point of reference for the underwriting team if the UW Management may be unavailable. * Work with Closing on issue management    * COCs - act as an escalation point if rush COC has been submitted & Underwriter has no capacity. Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.    To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! SOFI PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES (EEO) TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION (INCLUDING RELIGIOUS DRESS AND GROOMING PRACTICES), SEX (INCLUDING PREGNANCY, CHILDBIRTH AND RELATED MEDICAL CONDITIONS, BREASTFEEDING, AND CONDITIONS RELATED TO BREASTFEEDING), GENDER, GENDER IDENTITY, GENDER EXPRESSION, NATIONAL ORIGIN, ANCESTRY, AGE (40 OR OVER), PHYSICAL OR MEDICAL DISABILITY, MEDICAL CONDITION, MARITAL STATUS, REGISTERED DOMESTIC PARTNER STATUS, SEXUAL ORIENTATION, GENETIC INFORMATION, MILITARY AND/OR VETERAN STATUS, OR ANY OTHER BASIS PROHIBITED BY APPLICABLE STATE OR FEDERAL LAW. THE COMPANY HIRES THE BEST QUALIFIED CANDIDATE FOR THE JOB, WITHOUT REGARD TO PROTECTED CHARACTERISTICS. PURSUANT TO THE SAN FRANCISCO FAIR CHANCE ORDINANCE, WE WILL CONSIDER FOR EMPLOYMENT QUALIFIED APPLICANTS WITH ARREST AND CONVICTION RECORDS. NEW YORK APPLICANTS: NOTICE OF EMPLOYEE RIGHTS SOFI IS COMMITTED TO AN INCLUSIVE CULTURE. AS PART OF THIS COMMITMENT, SOFI OFFERS REASONABLE ACCOMMODATIONS TO CANDIDATES WITH PHYSICAL OR MENTAL DISABILITIES. IF YOU NEED ACCOMMODATIONS TO PARTICIPATE IN THE JOB APPLICATION OR INTERVIEW PROCESS, PLEASE LET YOUR RECRUITER KNOW OR EMAIL ACCOMMODATIONS@SOFI.COM. DUE TO INSURANCE COVERAGE ISSUES, WE ARE UNABLE TO ACCOMMODATE REMOTE WORK FROM HAWAII OR ALASKA AT THIS TIME. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

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 What we do: The Credit Risk Strategy protects Stripe by managing the end-to-end credit risk of our largest and most complex users. How we do it: 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: Enabling Stripe's growth by making confident, calibrated decisions on our highest-exposure users. WHAT YOU'LL DO As the Manager of the APAC Credit Risk Strategy Team, you will lead a group of high-performing and tenured underwriters and Credit Strategists responsible for Stripe's most significant financial exposures. You aren't just managing a queue. You are building the framework that allows Stripe to say "yes" to complex, multi-billion-dollar businesses while keeping our balance sheet secure. RESPONSIBILITIES • Lead a Specialized Team: Coach and mentor a world-class team of commercial underwriters and Credit Strategists. You'll be responsible for their professional growth and for fostering a culture of rigorous, data-driven credit judgment. • Own the E2E Credit Risk Lifecycle: Oversee the team's execution across all critical decision points—from high-stakes new user onboarding and contract negotiations to reactive stress reviews and loss recovery. • Strategic Stakeholder Partnership: Act as a key advisor to Sales, Risk Strategy, Risk Policy, and Bank Partners. You will navigate complex Bank Concurrences and Waivers, ensuring our risk appetite aligns with both internal goals and external partner requirements. • Drive Operational Excellence: Work closely with our Credit Ops and SDC teams to implement efficient and effective review processes while providing constructive feedback to improve procedures. You will identify gaps in our current processes and build the organizational infrastructure needed to support Stripe's evolving product suite. • High-Stakes Decisioning: Serve as an escalation point for ad-hoc credit reviews and referrals, making informed judgments on Stripe's largest and riskiest users during volatile market conditions or incidents. • Systems Thinking: Deeply understand our performance metrics including loss trends and leading indicators. Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential credit losses. Understand our current credit controls and strategies to identify opportunities for improvement. Work closely with our core risk team to mitigate potential risks with specific users. 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. This role has been identified as a Material Risk Personnel of Stripe SG under the Guidelines on Individual Accountability and Conduct, issued by the Monetary Authority of Singapore. SPSPL must therefore be satisfied on reasonable grounds that the role holder complies with the fitness and probity standards.  Applicants agree to permit SPSPL (or its agents) to conduct due diligence as necessary to satisfy itself on reasonable grounds that you comply with the fitness and probity standards. MINIMUM REQUIREMENTS • A coach and mentor dedicated to nurturing talent and helping team members perform at their best. • 12+ years of experience in commercial underwriting and financial analysis across multiple geographies in APAC • Comprehensive knowledge of accounting principles (GAAP and IFRS), financial analysis, cash flow analysis, and comfort with reading and interpreting financial statements. • Ability to comfortably interact with the CFOs and CEOs of our top merchants. • Strong collaboration, communication, and relationship-building skills, with an ability to influence stakeholders across organizations and borders. • Experience recruiting, developing, and managing diverse and high-performing teams. • Decisive, yet open to learning — you will make many critical decisions every day, even with the knowledge that you will be wrong some of the time. • Excellent communicator who is able to convey complex ideas succinctly • Experience working cross-functionally across multiple teams and time zones PREFERRED QUALIFICATIONS • Strong data visualization skills and a willingness to use data and AI tools to analyze and make decisions on the portfolio. • Experience working in tech, or in another fast-paced, high-growth environment. • Experience working with Greater China merchants as this individual will work with merchants based in the Greater China region. • Experience working in a matrix org structure. • Experience working with Engineering, Product, and Ops teams.